Free retirement calculator

Find the month you can stop working.

Enter your savings, spending and income. Afterwork Plan runs your plan through every stretch of US market history since 1928 and shows you the earliest month you can stop, and the paycheck you'll have from then on.

Get my answer, free See an example

About 10 minutes. No account and no bank logins. Your numbers stay on your device.

Example household

most their plan pays each month, after tax

earliest month they could stop

Their paycheck from 61 to 95GuaranteedSavings

A made-up couple, 57 and 55, with $1.61 million saved and $7,500 a month to spend.

1928 to 2025market history
2026federal tax law
Month by monthearliest date
12 stepsabout 10 minutes
$0for your answer

Your paycheck

See what you'd take home at every age

Here's the example couple's monthly take-home from the day they stop, after tax and adjusted for inflation, so a dollar on the chart buys what a dollar buys now. Green is income that arrives whatever markets do, like Social Security. Amber is what their savings add. The dark line is what they need each month.

Guaranteed incomeFrom savingsWhat they need

Your savings Pro

Watch your savings through every kind of market

All the accounts together, year by year. The shaded range covers 8 in 10 stretches of history since 1928. The green line is a typical stretch and the amber line is the worst one this couple could have hit.

Point at any age to see the balance
See how much is left at 95 in a bad run of markets

8 in 10 stretchesTypicalWorst

Crash test Pro

What if you stopped right before a crash?

Your plan, with your stop date landing just before five of the worst starts in US history. You see the lowest monthly paycheck in each one, how many years the trim rule kicked in, and whether the money lasted.

The example couple, stopping at 61

PDF report Pro

Keep it, print it or bring it to your accountant

One PDF with every number you entered, the paycheck and savings charts, the crash tests, your what-ifs, a year-by-year table for the typical and the worst stretch, and every assumption behind them.

Open the example plan

What it counts

Everything that moves your date

Twelve short steps cover all of this. Rough numbers are fine, and you can change any answer later.

The earliest monthIt checks month by month for the first date your plan holds, so you get a real date.
98 years of marketsEvery full stretch from 1928 to 2025, run with your own mix of stocks and bonds.
2026 federal taxBrackets, tax on Social Security and capital gains every year, plus your state's rate.
Required withdrawalsThey start at 73 or 75 depending on the year you were born, and the tax on them is counted.
The 59½ rulePulling pre-tax money early costs 10%, and the plan counts it if your bridge years need it.
Health insurance before 65Enter your premium, or estimate it from marketplace prices for your age.
Social Security estimateDon't know your benefit yet? Estimate it from your pay and the years you've worked.
Married couplesBoth ages, both benefits, joint tax brackets and a spouse who keeps working for a while.
Pensions and annuitiesEach one with the age it starts and whether it rises with inflation.
Rent and part-time workIncome from a rental, a part-time job or anything else that pays regularly.
Four kinds of accountsPre-tax, Roth, brokerage and cash, drawn down in order with the tax on each withdrawal covered.
Spending that changesSpend more in your 60s and less later, plus one-time costs like a new roof or a car.
Money coming in onceA home sale or an inheritance, added at the age it arrives.
A trim ruleSpend a little less after a bad year, and see how much sooner that lets you stop.
Today's or future dollarsSee amounts in today's buying power, or as your statements would show them.
No bank loginsYou type your numbers in. They stay on your device unless you save them to an account.

Tested against the real years

Your plan runs through every full-length stretch of US market history since 1928, using your own mix of stocks and bonds. That includes stopping right before the 1929 crash, the inflation of the 1970s, the 2000 dot-com bust and 2008. If your paycheck holds in every one of them, the answer is yes. If it doesn't, you get the earliest month it does.

You can also set a trim rule, like spending 10% less whenever your savings are 20% below where they started, and see how much earlier that lets you stop.

Read exactly how it works, including the data, the taxes and what it simplifies.

Your numbers stay on your device. Save them to an account only if you want to.
No bank or brokerage logins, ever.
Nothing else to sell you. We don't sell investments or insurance, and nobody will call you.
Published data. S&P 500, Treasury and inflation history compiled by Professor Aswath Damodaran at NYU Stern.

The answer is free

Free

Yes, or the earliest month you can stop
The most your plan pays each month
Everything on the list above goes into your answer
A free account to save your answers

Get my answer

Pro

$129 a year

Your paycheck at every age, in a typical stretch and the worst one
Your savings over time, across all of history
Stopping right before 1929, 1966, 1973, 2000 and 2008
Up to 4 what-ifs side by side
A PDF report with every number and assumption
Year-by-year tables, in today's or future dollars

Start free, upgrade anytime

Cancel in two clicks. A full refund within 30 days of any charge.

Questions

Is this financial advice?

No. Afterwork Plan is educational software. It calculates what your own numbers would have done in past markets. It doesn't recommend investments or tell you what to buy, and it isn't a registered investment adviser. For a big decision, talk to a professional who knows your whole situation.

Does it work for a married couple?

Yes. Choose married filing jointly and enter both ages and both Social Security benefits. Taxes use joint brackets, and each benefit starts at that person's claiming age.

I have a pension, rental income or part-time work.

Add each one with the age it starts and whether it rises with inflation. They're counted before your savings are touched.

What about taxes and health insurance?

Federal tax uses 2026 law, including tax on Social Security, required withdrawals from pre-tax accounts and the 10% penalty on pre-tax money before 59½. You add a flat state rate. Before 65 you can enter a health insurance cost, or estimate it from marketplace prices for your age.

Where does the market history come from?

Yearly returns for the S&P 500 with dividends, 10-year Treasury bonds and Treasury bills, plus US inflation, from 1928 through 2025, published by Professor Aswath Damodaran at NYU Stern. Every amount is adjusted for inflation, so a dollar in your results buys what a dollar buys now.

Do I need an account?

No. Your answer is free without one, and your numbers stay in your browser. A free account saves them so you can pick up on another device.

What if Pro isn't for me?

Cancel from your account in two clicks, and Pro stays on until the end of the year you paid for. If you're not happy, email us within 30 days of any charge and we'll refund it in full.