Free retirement calculator
A good retirement calculator should answer two questions honestly: how much you can safely spend, and how long the money lasts — after taxes, not before. Coastline does both with the same validated engine behind every figure, covering your working years and your retirement in one continuous plan. Here's what different nest eggs support at 65.
What each nest egg supports at 65
Safe after-tax spending by portfolio size, retiring at 65 with a ~30-year horizon, 6% nominal return, 3% inflation, and no Social Security (adding it raises every figure):
| Portfolio | Safe spend / yr | Per month | Withdrawal rate |
|---|---|---|---|
| $500,000 | $24,000 | $2,000 | 4.8% |
| $750,000 | $36,000 | $3,000 | 4.8% |
| $1,000,000 | $48,000 | $4,000 | 4.8% |
| $1,500,000 | $71,500 | $5,958 | 4.8% |
| $2,000,000 | $94,500 | $7,875 | 4.7% |
What a retirement calculator should actually model
Most "retirement calculators" stop at a nest-egg total or a flat 4% draw. The number you can actually spend depends on details a good tool has to capture:
- Taxes by account type. A dollar in a traditional 401(k) is worth less than a dollar in a Roth, because it's taxed on the way out. Only a tax-aware projection gives you a real spendable figure.
- Social Security and other income. Every dollar of guaranteed income is a dollar you don't withdraw — it can raise the safe number substantially and shift the best claiming age.
- Your horizon. Retiring at 55 vs 67 changes the safe withdrawal rate; a single "4% rule" can't see that.
- Market risk. A straight-line average hides sequence-of-returns risk — the reason two identical averages can end very differently.
Why Coastline's version is different
Most free calculators hand you a single headline number with the assumptions hidden. Coastline is built the opposite way:
- Real tax math, not a flat rate. It applies federal and state income tax, long-term capital-gains rules, and account-by-account treatment (taxable, traditional, Roth) — in both your working years and retirement.
- The whole journey. It models accumulation (saving and investing) and drawdown (spending it down), so you see how the plan connects end to end, not just one half.
- The math is shown. Every figure has a click-through breakdown of how it was computed — a level of transparency even paid tools rarely expose.
- US and Canada. It natively handles Canadian plans (RRSP, TFSA, CPP, OAS) alongside US accounts, which most calculators ignore.
- Free, no signup. No account, no email, no account-linking. Your inputs run the projection and are then discarded.
Assumptions above: single filer, no-income-tax state, 60% taxable / 30% traditional / 10% Roth, 6% nominal return, 3% inflation, no Social Security. Your real accounts, spending, state, and Social Security change the answer — model them in the calculator.
Common questions
Is this retirement calculator free?
Yes — Coastline is completely free with no account or signup, and it stores nothing on a server. Your inputs run the projection and are then discarded.
Does it include taxes?
Yes. It applies federal and (where relevant) state income tax, capital-gains rules, and account-by-account treatment in both your working years and retirement, so the spendable figures are realistic rather than pre-tax.
How much can I spend in retirement?
It depends on your nest egg, age, taxes, and other income. As an example, $1,000,000 at 65 supports about $48,000/year after tax (roughly 4.8%) with no Social Security — adding Social Security raises it. Enter your own numbers for a personalized figure.
Does it work for early retirement and FIRE?
Yes. You can retire the plan at any age; the calculator accounts for the longer horizon, pre-Medicare healthcare, and the withdrawal strategy an early retirement needs.