Can you retire — and when? See it year by year.
Pensions, 403(b)s, Social Security at any claim age from 62 to 70 with spousal benefits, survivor income analysis, and a Monte Carlo success rate — the share of thousands of simulated markets where your money lasts. No bank login.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).
When could you retire?
Three numbers, an instant estimate — the same math as our free retirement calculator, simplified.
At this pace, you could retire around
age 63
with roughly $627.2K saved, lasting to age 95.
Assumes a steady 7% average return, $4,000/mo spending in retirement plus a 25% effective tax rate, $1,800/mo Social Security from 67, and money lasting to age 95. An estimate, not advice — your plan uses your real numbers.
Runs in your browser — these numbers never reach our servers.
Verdict: lasts to age 95
Median outcome — see the full range below
In plain numbers (illustrative):
- Mid-40s to retirement: savings grow as you contribute.
- Around age 65 you stop adding and start drawing down.
- By 95 the outcome ranges widely — strong markets leave a cushion, poor markets run the balance close to empty. The point of the plan is to see that spread before it happens.
What you enter
- Paychecks
- Pensions, with COLA
- Social Security
- 401(k), 403(b), 457, TSP
- IRA and Roth
- Taxable brokerage
- HSA
- Bills and debts
- Your spouse’s, too
By hand, once — then you keep it current. Nothing is imported from a bank.
What it works out
Will the money last?
Year by year, all the way to age 95.
How likely is that?
A success rate across up to 10,000 simulated market histories.
When should you claim?
Every age from 62 to 70, using the SSA’s own factors.
What gets forced out?
Required withdrawals from 73 — 75 if you were born in 1960 or later — and the tax they drag along.
What if one of you dies first?
Which check survives, and how far household income falls.
Is there a conversion window?
Roth conversion ladders, and pre-59½ withdrawal penalties.
Out of scope today, and we would rather say so: reverse mortgages, 1031 exchanges, and a windfall dated to a specific future year. What the engine simplifies is spelled out in full on the retirement planning page.
Your whole plan to age 95, year by year
- Car loan paid offAge 62
- Retire · Medicare beginsAge 65
- Social Security startsAge 67
- RMDs beginAge 73
Your real timeline is built from your own dates — this is one example.
Pensions
Pensions are first-class here
If you have a pension — teacher, firefighter, nurse, government, union — PiggySize pays it as real income and grows it yearly with a cost-of-living adjustment when yours has one. 403(b), 457, and TSP contributions are held to the real IRS limits, catch-ups included.
See a teacher's pension modeledGrows 2% a year with a cost-of-living adjustment
IRS limits the plan enforces (2026)
- 403(b) / 457 / TSP base limit$24,500
- Age 50+ catch-up+$8,000
- Ages 60–63 super catch-up+$11,250
Illustrative pension; limits are the current maintained IRS figures.
Social Security
Social Security, done right
When you claim changes your check for life — modeled at every whole age 62 to 70, a 30% cut for claiming at 62, a 24% raise for waiting until 70. Spousal and survivor benefits are built in too.
See both spouses' claim agesA $3,000 full-retirement-age benefit, adjusted by the SSA’s own factors.
- Claim at 6230% less for claiming early$2,100/mo
- Claim at 67Full retirement age$3,000/mo
- Claim at 7024% more for waiting$3,720/mo
Plus spousal benefits (the greater of your own or half your spouse’s) and a survivor income analysis for whoever outlives the other.
Already retired
Already retired? Start from where you are.
Turn on already-retired mode and the plan starts spending from month one, in the right order — Social Security, pensions, and your accounts — stress-tested to age 95. Works alone or as a couple.
See a drawdown from month oneRuth is 68 and widowed, living on her survivor Social Security benefit and what’s left in her IRA. She switches on already-retired mode, enters both, and reads the answer as a Plan Confidence percentage — then tries spending a little more or less to see what changes.
Monte Carlo
How sure is the plan, really?
A single projection assumes the market behaves; real markets don’t. A Monte Carlo run tests up to 10,000 different market histories and counts the share where your money lasts — that’s your success rate.
See a success rate on real numbers88%
of markets
your money lasts
In plain numbers (illustrative):
- Best-case markets (top of the band): the balance keeps climbing past 95.
- Middle (the darker line): a steady drawdown from 65 to 95.
- Worst-case markets (bottom of the band): the balance runs close to empty by the mid-90s.
- Success rate: the share of all those markets where the money never runs out.
See your own success rate
Enter your numbers once and watch the whole picture — no bank login, nothing to break.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).
Taxes & rules
The taxes and rules that trip people up
The rules that decide what you actually keep are the ones spreadsheets skip. PiggySize builds them in.
- 59½
The early-withdrawal line
Retire before it and the 10% penalty applies. Roth contributions come out penalty-free, so the plan draws those first.
- 65
Medicare starts
Premiums begin, with the IRMAA surcharge on higher incomes — which is why the conversion years before it matter.
- 73
Withdrawals stop being optional
Required minimum distributions begin — or 75 if you were born in 1960 or later, under SECURE 2.0 — and they are taxed whether you need the money or not.
Required withdrawals (RMDs)
The IRS makes you start drawing down traditional accounts at 73 (75 if born in 1960 or later, under SECURE 2.0) — the plan starts them on time and taxes them.
Roth conversion ladders
Move money from traditional to Roth across your lower-income years, each person on their own schedule, with the conversion tax counted.
Early-withdrawal penalties
Retire before 59½ and the 10% penalty applies — Roth contributions, penalty-free, are drawn first.
Medicare, IRMAA & long-term care
Medicare premiums begin at 65, with the IRMAA surcharge for higher incomes; model a long-term-care stretch with its own start age and inflation.
Under the hood
How the numbers are actually made
A projection you can’t inspect isn’t worth much. Here’s how the engine works — including where it keeps things simple, and what it doesn’t try to do.
The order money comes out
Income you still earn
Part-time work, consulting — spent first.
Social Security
At whichever claim age you modelled.
Pensions and annuities
Grown each year if yours has a cost-of-living rise.
HSA
For medical costs, after 65.
Proceeds from selling a home
If a downsize is part of the plan.
Taxable savings
Taxed only on the gain, via a running cost basis.
Traditional accounts
Required withdrawals come out on schedule regardless.
Roth
Last, so it keeps growing tax-free the longest.
What we keep simple
Taxes use one steady effective rate rather than re-deriving every bracket year by year — clear and predictable, not a tax return. Monte Carlo assumes 15% annual market volatility, in line with the long-run stock market. Both are honest approximations, and we’d rather tell you than hide them.
What it doesn’t model
Some things are genuinely out of scope today: reverse mortgages, 1031 real-estate exchanges, and a windfall or inheritance dated to a specific future year. If your plan hinges on one of those, treat the projection as a starting point, not the last word.
Find out whether you can retire
Build the whole plan — pensions, Social Security, taxes, and a Monte Carlo success rate — for you, and your spouse or partner, if you plan together.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo). After 30 days you keep the Free plan — no charge, no card.
Pro is $90 a year, flat — a fraction of a typical advisor’s 1%-of-assets fee, and never a cut of what you own.
Important: PiggySize is a financial planning and tracking tool. It is not a financial advisor, investment advisor, accountant, or tax professional. The information, calculations, and projections it provides are for informational and educational purposes only and are not financial, investment, tax, or legal advice. Projections are estimates, not guarantees — they are based on the numbers and assumptions you enter, and actual results will vary. Consult a qualified professional before making financial decisions. PiggySize assumes no liability for decisions made based on the software.