Free online Retirement Expense Planner. Estimate post-retirement monthly/annual living expenses, medical costs, and inflation adjustment. Calculate your retirement savings target. Pure frontend computation. | No signup · Data never leaves your device
Zero dependencies · Works offline4% Rule (Safe Withdrawal Rate): Savings = Annual Expenses × 25. Research shows withdrawing 4% annually has a low probability of depleting savings over 30 years.
Inflation Adjustment: At 3% inflation, $4,000 in 25 years has the purchasing power of ~$1,900 today.
Medical Costs: Healthcare typically accounts for 15-25% of retirement spending and should be planned separately.
Common retirement savings targets include the 4% Rule (Savings = Annual Expenses × 25) and the 80% Replacement Rate rule (post-retirement expenses = 80% of pre-retirement income). With 3% inflation, $1 today has about $0.41 purchasing power in 30 years.
The Retirement Expense Planner is free with no usage limits.
Yes, it uses responsive design and works on phones, tablets, and desktops.
All calculations happen in your browser — no data is uploaded to any server.