Savings & Investment Projection Calculator
Model accessible savings and investments to age 90, including a layoff gap and a pay change. Start with a Washington wage illustration, then enter your own accessible balance.
This is an illustration, not financial advice. It shows the arithmetic of the numbers you enter under one fixed return and one fixed inflation rate. It excludes Social Security, pensions, taxes, property, and accounts you cannot draw on today. It cannot account for market volatility or your complete retirement resources.
At 65: $602k · Runway: under a month
View results and yearly balancesProjection results
View yearly balances as a table
| Age | Phase | Nominal dollars | Today's dollars |
|---|---|---|---|
| 38 | Working | $0 | $0 |
| 39 | Working | $9,450 | $9,175 |
| 40 | Working | $19,467 | $18,350 |
| 41 | Working | $30,085 | $27,532 |
| 42 | Working | $41,340 | $36,730 |
| 43 | Working | $53,271 | $45,952 |
| 44 | Working | $65,917 | $55,204 |
| 45 | Working | $79,322 | $64,496 |
| 46 | Working | $93,531 | $73,834 |
| 47 | Working | $108,593 | $83,227 |
| 48 | Working | $124,559 | $92,684 |
| 49 | Working | $141,482 | $102,210 |
| 50 | Working | $159,421 | $111,815 |
| 51 | Working | $178,436 | $121,506 |
| 52 | Working | $198,592 | $131,293 |
| 53 | Working | $219,958 | $141,183 |
| 54 | Working | $242,605 | $151,183 |
| 55 | Working | $266,612 | $161,305 |
| 56 | Working | $292,058 | $171,553 |
| 57 | Working | $319,032 | $181,939 |
| 58 | Working | $347,624 | $192,471 |
| 59 | Working | $377,931 | $203,157 |
| 60 | Working | $410,057 | $214,006 |
| 61 | Working | $444,111 | $225,027 |
| 62 | Working | $480,207 | $236,230 |
| 63 | Working | $518,470 | $247,624 |
| 64 | Working | $559,028 | $259,218 |
| 65 | Retirement | $602,019 | $271,022 |
| 66 | Retirement | $515,970 | $225,518 |
| 67 | Retirement | $421,092 | $178,689 |
| 68 | Retirement | $316,746 | $130,495 |
| 69 | Retirement | $202,252 | $80,898 |
| 70 | Retirement | $76,882 | $29,856 |
| 71 | Retirement | $0 | $0 |
| 72 | Retirement | $0 | $0 |
| 73 | Retirement | $0 | $0 |
| 74 | Retirement | $0 | $0 |
| 75 | Retirement | $0 | $0 |
| 76 | Retirement | $0 | $0 |
| 77 | Retirement | $0 | $0 |
| 78 | Retirement | $0 | $0 |
| 79 | Retirement | $0 | $0 |
| 80 | Retirement | $0 | $0 |
| 81 | Retirement | $0 | $0 |
| 82 | Retirement | $0 | $0 |
| 83 | Retirement | $0 | $0 |
| 84 | Retirement | $0 | $0 |
| 85 | Retirement | $0 | $0 |
| 86 | Retirement | $0 | $0 |
| 87 | Retirement | $0 | $0 |
| 88 | Retirement | $0 | $0 |
| 89 | Retirement | $0 | $0 |
| 90 | Retirement | $0 | $0 |
A shared link includes your inputs in its fragment (after #). Anyone with the link can read them, and your browser history or clipboard may retain them. Review the numbers before sharing.
How this projection works
Each year a positive accessible balance grows by the return rate, then savings are added (working years) or spending is withdrawn (retirement years). A zero or negative working balance can recover through contributions; negative balances earn no return and accrue no interest in this simplified model. Retirement withdrawals stop when funds are exhausted. Spending rises with inflation every year. The dashed line restates the same balance in today's dollars, which is what it will actually buy.
The layoff scenario removes income for the months you specify and draws your retirement spending figure from savings during that time. When income resumes, it resumes at the adjusted level — a pay cut on re-employment compounds for the rest of your career, which is usually the larger long-term effect. Income and spending are prorated for partial working years, while investment returns apply to the opening annual balance. A working-period shortfall is carried as zero-interest debt; actual financing may be unavailable or costly.
One fixed return every year is the model's biggest simplification. Real markets deliver returns in a sequence, and a downturn in the first years of retirement does far more damage than the same downturn later. Treat a single line as one scenario among many, not a forecast.
Projection Calculator Questions
How long would my savings last if I were laid off?
Runway models spending from the accessible savings and investments you enter, with monthly returns and inflation. Exclude home equity, vehicles and accounts you cannot draw on now. It assumes no income, severance or unemployment benefits. A fixed positive return can overstate runway in a downturn; it is an illustration, not a guaranteed minimum.
Where does the income figure come from?
Median annual wages come from the 2025 BLS Occupational Employment and Wage Statistics program, the same source behind this site's wage pages. Selecting an occupation and county fills in the local median for that job. OEWS reports by metropolitan area, so counties in the same area share a figure.
What return rate should I use?
The calculator defaults to 6% nominal, below the long-run average for a diversified stock portfolio and well above cash. It applies one flat rate every year, so it cannot show sequence-of-returns risk — the real danger that a market drop early in retirement hurts far more than the same drop later.
Does this account for Social Security, pensions, or taxes?
No. This illustration excludes Social Security, pensions, taxes, property, and accounts unavailable to you today. All spending comes from the accessible balance you enter. It does not estimate your complete retirement resources. If you enter related debt or the modeled layoff creates a shortfall, contributions repay that debt at an assumed zero interest rate; actual borrowing costs could make the result worse.
Is this financial advice?
No. It is an arithmetic illustration of the inputs you enter, published for general information. It does not know your circumstances and is not a recommendation to save, spend, invest, or retire in any particular way. For decisions that matter, talk to a licensed financial professional.
About This Data
Wage seeds come from the 2025 BLS Occupational Employment and Wage Statistics program, the same data behind our Washington wage pages. OEWS publishes by metropolitan area, so counties inside one area share a median. Income and spending defaults are illustrations based on one worker's wage. The starting accessible balance is $0 until you enter an amount. Our household net worth analysis includes illiquid assets and is not used as spendable savings here.
Projections are calculated in your browser. Calculator inputs are not submitted to our servers or analytics. New shared links keep inputs after #, which browsers omit from HTTP requests. Older links with inputs after ? already send those values to the host on opening; this tool imports them and replaces the address with a fragment-based link.