How it works
From today's number to your full plan.
Here's exactly what happens when you use MyRetireDate — from the free calculator to what Basic and Pro unlock.
Answer five questions
Your current age, current savings, monthly contribution, expected annual return, and desired annual retirement spending. No account, no financial documents — just the numbers you already know.
We run the 4% rule
We project your savings forward year by year, compounding monthly, until the balance is large enough that withdrawing 4% of it each year covers your target spending — the same rule financial planners have used for decades to estimate a safe withdrawal rate.
See your free estimate
In about a second, you get an estimated retirement age, a visual timeline, and a plain-language readout — free, with no account required.
Go deeper with Basic or Pro
Basic unlocks the full year-by-year report as a PDF and saved what-if scenarios. Pro adds Monte Carlo probability modeling, so instead of one fixed-return guess, you see a confidence range built from thousands of simulated markets.
The methodology, briefly
Why the 4% rule?
It's a widely used retirement guideline suggesting you can withdraw 4% of your portfolio in your first year of retirement, then adjust that amount for inflation each year after, without running out of money over a typical 30-year retirement.
Read the full methodology →What each plan unlocks
Free
Your number, instantly.
$0forever
- One free retirement-date estimate
- The 4% rule calculation
- Basic timeline visual
Basic
The full year-by-year plan.
$15/mo
7-day free trial
- Everything in Free
- Full year-by-year report (PDF)
- 3 saved "what if" scenarios
- Email delivery of your results
Pro
Plan with real confidence.
$25/mo
7-day free trial
- Everything in Basic
- Monte Carlo probability modeling
- Unlimited "what if" scenarios
- Confidence range on your date
- Priority support