Free Retirement Calculator
Model your retirement with visual projections, Social Security optimization, and what-if scenarios.
Start Free Calculator
What You Can Model
- Cash flow projections: See your money in vs money out every year
- Social Security timing: Test claiming at 62, 67, 70, or any age
- Major life events: Home sales, inheritances, big purchases
- Investment returns: Model bull markets, bear markets, and everything in between
- Spending adjustments: Test different retirement lifestyles
How It Works
- 1Enter your basicsAge, current savings, annual income, and expected retirement age
- 2Add your assumptionsSocial Security, investment returns, inflation, spending in retirement
- 3Model life eventsAdd future events like home sales, inheritances, or major expenses
- 4See your projectionVisual charts show your balance over time and when money might run out
- 5Test scenariosChange assumptions and instantly see how your timeline changes
Free Forever, No Credit Card Required
Start with our free plan and upgrade only if you need advanced features like unlimited scenarios and spouse planning.
Common Questions
Do I need to connect my bank accounts?
No. You manually enter your financial information. We never connect to your brokerage or bank accounts, which protects your privacy and security.
How accurate are the projections?
Our math is accurate, but the future is uncertain. Your actual results will depend on market returns, inflation, spending, and life events. That's why we encourage you to model multiple scenarios—best case, worst case, and realistic case.
Can I plan for both me and my spouse?
Yes, with our Premium plan ($9.99/month). This lets you model two separate Social Security claiming strategies, different retirement ages, and survivor benefits.
What if I'm already retired?
Perfect! Many of our users are already retired and use Evernest to track spending, model withdrawals, and ensure their money lasts. Just set your retirement age to your current age.
Can I model Social Security timing strategies?
Absolutely. This is one of Evernest's most powerful features. Test claiming Social Security at 62 versus waiting until 70, and see the cascading impact on your portfolio withdrawals and overall plan longevity. For couples, you can model coordinated claiming strategies to maximize lifetime benefits.
Do I need financial expertise to use this calculator?
No. Evernest is designed for regular people, not financial professionals. If you know your approximate savings, expected spending in retirement, and Social Security estimate (from ssa.gov), you have everything you need. We provide helpful tooltips and guidance throughout the process.
How is this different from a simple retirement calculator?
Most retirement calculators give you a single number—"you need $1.2 million to retire." Evernest shows you year-by-year cash flow projections with visual charts, lets you model specific life events (like selling your home at age 75), and allows instant what-if scenario testing. It's the difference between a rough estimate and a detailed retirement roadmap.