Project how your savings might grow before retirement, then how long they could last once you start drawing an income. Change any assumption to explore a different scenario — if your withdrawals outpace your savings, you'll see the balance fall below zero.
Estimates only — adjust to fit your situation.
This is a simplified, educational calculator — not financial, investment, or tax advice. It is built for illustration only and makes a number of assumptions that will not match real life.
It does not account for taxes. The tool treats every dollar the same whether it sits in a tax-free account (like a Roth IRA), a tax-deferred account (like a traditional IRA or 401(k)), or a taxable brokerage account. In reality those are taxed very differently — withdrawals from tax-deferred accounts are generally taxable income, Roth withdrawals usually are not, and taxable accounts can generate taxes along the way. Because of this, your actual after-tax results could differ materially from what you see here, and the type of account your savings are in matters a great deal.
It also ignores Social Security and other income sources, investment fees, required minimum distributions (RMDs), changes in your spending over time, and the ups and downs of real markets — it assumes a single, steady rate of return every year, which markets never actually deliver. All figures are hypothetical estimates. Please review your own situation with Pine Harbor Wealth Management and your tax professional before making any decisions.
Pine Harbor Wealth Management, LLC is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training.
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