DIY Retirement Cash-Flow & Spending Calculator
Plan your retirement — or stress-test the one you're living
Get your answer in minutes, with simple visual charts, tables, and year-by-year projections that show you exactly where you stand.
Model multiple portfolios over time and see how spending, Social Security, financial events, and projected market outcomes shape your retirement.
Retirement Planning Tool for Real Decisions
See exactly how timing impacts your future. When should you sell your home? Start Social Security? The answer might surprise you.
- Timing is everything: Test when to start Social Security, sell assets, or make major purchases
- Spending strategies: Configure how your spending gradually decreases over time
- Multiple scenarios: Compare different approaches side by side instantly
Retirement Calculator With Visual Projections
Complex financial projections made simple. Watch your money flow year by year, adjusting for real life as it happens.
- Interactive charts: Visualize your balance, income, and spending year by year
- Instant updates: Change any assumption and see results immediately
- Export to Excel: Take your projections offline for deeper analysis
Choose your own color scheme — clean, familiar brokerage-style themes.
This plan only has a 60% chance of lasting — Monte Carlo simulation reveals the risks your spreadsheet won't.
Stress-Test Your Retirement Plan
What if markets crash? What if you live to 100? Test different spending strategies and see which one keeps you secure.
- Know before you go: Test worst-case scenarios before they happen
- Longevity planning: See your plan through age 100 and beyond
- Market volatility: Model different return rates and market conditions
Free Retirement Calculator — Upgrade When Ready
Begin with our free plan and unlock premium features anytime
Answer Your Biggest Retirement Questions
Clear answers with year-by-year projections — not a single number
When Should I Take Social Security?
Compare claiming at 62 (70% benefit) vs. 70 (124% benefit). See how timing affects your overall cash flow when balanced against portfolio withdrawals.
Do I Have Enough to Retire?
Year-by-year projections showing if your savings will last. Test different retirement ages, spending levels, and market scenarios to find your answer.
How Long Will My Money Last?
See exactly which year your money runs out and test strategies to extend it. Model market downturns, spending changes, and different withdrawal rates.
What If I Sell My House? Change My Spending? Work Part-Time?
Model any life change and see how it ripples through your entire retirement. Add financial events at any age and watch the projection update instantly.
Will My Retirement Plan Work?
Run up to 50,000 market scenarios against your plan and get a probability of success. Stop guessing — find out if your retirement plan will actually work.
Who Is Evernest For?
Pre-Retirees (Age 50-65)
If you're 5-15 years from retirement and wondering when you can afford to stop working, Evernest helps you model different retirement ages, Social Security claiming strategies, and spending scenarios. See exactly how much longer you need to work - or if you can retire sooner than you thought.
Recent Retirees
Already retired or retiring this year? Use Evernest to validate your plan and stress-test your withdrawal strategy. Model market downturns, unexpected expenses, and different spending levels to ensure your money lasts. Track your progress year by year and adjust as life changes.
DIY Financial Planners
If you prefer to manage your own finances without paying thousands for a financial advisor, Evernest gives you professional-grade projection tools at a fraction of the cost. Model complex scenarios like home sales, inheritances, part-time work, and variable market returns - all with visual, easy-to-understand results.
Evernest isn't for everyone.
If you need tax optimization, portfolio management, or AI-driven advice, we're not the right tool. We'd rather tell you that upfront than waste your time.
Read: Why you shouldn't use EvernestTry Our Free Retirement Calculator & Cash-Flow Planner
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