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Will it last?

A straight answer about your retirement savings, in one sentence. And if the answer is no, exactly what to change.

Can you retire?

1 of 6

Six quick questions. No account, no judgment.

First things first: how old are you?

No judgment. We've all had birthdays.

Your whole plan in one picture

From today to 95: what you have, what comes in and what goes out, with the years that change everything marked.

What Leisuremint does that most calculators do not

Every number is worked out, never guessed

One engine does the arithmetic for each year of your plan: what comes in, what goes out, what is taxed and what is left. The chat reads those results. It does not invent figures of its own.

Real tax rules

Federal brackets, the standard deduction, capital gains, tax on Social Security and required withdrawals, taken from published tables you can read on the site.

When to claim Social Security

Your whole plan is run at every claiming age from 62 to 70, so you see what each choice does to the money you end with.

Roth conversions, year by year

A schedule of how much to convert in which year, fitted to your tax brackets.

If it falls short, a way out

The exact extra saving, later retirement age or lower spending that makes the plan work. One click applies it.

Three steps to an answer

  1. 1

    Tell it your numbers

    Savings, spending, Social Security, your home. Type them in, or answer questions in a chat that fills the plan in for you.

  2. 2

    Read the verdict

    One sentence says whether the money lasts. Behind it sit the charts and a table of every year, so you can see why.

  3. 3

    Try changes

    Retire earlier. Spend more. Move to another state. The answer updates as you type, and plans can be compared side by side.

Five things worth knowing before you plan

Retirement has its own rules. These are the ones that move the numbers most, under current US law.

A 1994 study by William Bengen found that a retiree who withdrew 4% of their savings in the first year, then raised that amount with inflation, would not have run out of money in any 30-year stretch of the US market history he tested. It is a useful starting point. It is not a promise: it assumes a 30-year retirement and a particular mix of stocks and bonds, and it leaves out tax.

Questions people ask

Get in touch

A question, a number that looks wrong, or something you wish the calculator did. We read every message.