Savings & Investment Projection Calculator

Model accessible savings and investments to age 90, including a layoff gap and a pay change. Start with a Texas wage illustration, then enter your own accessible balance.

This is an illustration, not financial advice. It shows the arithmetic of the numbers you enter under one fixed return and one fixed inflation rate. It excludes Social Security, pensions, taxes, property, and accounts you cannot draw on today. It cannot account for market volatility or your complete retirement resources.

At 65: $468k · Runway: under a month

View results and yearly balances

Start from a Texas job

Optional. Picking an occupation fills in the median wage for that job from 2025 OEWS data; you can override it below.

Where you are now

38

Enter cash and investments you can spend now, minus related debt. Exclude home equity, vehicles, other property, and restricted retirement accounts. The $0 starting value is a placeholder, not Texas's median wealth. The slider covers $0–$3M; type a larger or negative amount when needed. Debt interest is not modeled.

Working years

OEWS describes one worker's gross wages. Use income, savings, and spending for the same person or household. Taxes are not calculated.

15%
65
6%

If you were laid off

Texas employers filed WARN notices for thousands of workers in the past year. This models a gap in income starting today.

0 months
no change

Re-employment often comes with a pay cut.

Retirement years

In today's dollars; inflated automatically each year.

3%

Projection results

Layoff runway
under a month
accessible balance only, no income
Balance at 65
$468k
nominal dollars
Reference withdrawal
$21k
4.5% · 25-yr horizon
Balance at 90
$0
nominal dollars
Working years Retirement In today's dollars
retires at 65$0$125k$250k$375k$500k38405060708090

View yearly balances as a table
Balance at the start of each age. Negative balances are related debt or unfunded working-period spending; debt interest is not included.
AgePhaseNominal dollarsToday's dollars
38Working$0$0
39Working$7,350$7,136
40Working$15,141$14,272
41Working$23,399$21,413
42Working$32,153$28,568
43Working$41,433$35,740
44Working$51,269$42,937
45Working$61,695$50,164
46Working$72,746$57,426
47Working$84,461$64,732
48Working$96,879$72,087
49Working$110,042$79,497
50Working$123,994$86,967
51Working$138,784$94,505
52Working$154,461$102,117
53Working$171,078$109,808
54Working$188,693$117,587
55Working$207,365$125,459
56Working$227,157$133,431
57Working$248,136$141,508
58Working$270,374$149,700
59Working$293,947$158,011
60Working$318,933$166,449
61Working$345,419$175,021
62Working$373,494$183,734
63Working$403,254$192,596
64Working$434,799$201,614
65Retirement$468,237$210,795
66Retirement$401,927$175,673
67Retirement$328,806$139,528
68Retirement$248,380$102,329
69Retirement$160,124$64,048
70Retirement$63,478$24,651
71Retirement$0$0
72Retirement$0$0
73Retirement$0$0
74Retirement$0$0
75Retirement$0$0
76Retirement$0$0
77Retirement$0$0
78Retirement$0$0
79Retirement$0$0
80Retirement$0$0
81Retirement$0$0
82Retirement$0$0
83Retirement$0$0
84Retirement$0$0
85Retirement$0$0
86Retirement$0$0
87Retirement$0$0
88Retirement$0$0
89Retirement$0$0
90Retirement$0$0

A shared link includes your inputs in its fragment (after #). Anyone with the link can read them, and your browser history or clipboard may retain them. Review the numbers before sharing.

How this projection works

Each year a positive accessible balance grows by the return rate, then savings are added (working years) or spending is withdrawn (retirement years). A zero or negative working balance can recover through contributions; negative balances earn no return and accrue no interest in this simplified model. Retirement withdrawals stop when funds are exhausted. Spending rises with inflation every year. The dashed line restates the same balance in today's dollars, using the inflation rate you entered.

The layoff scenario removes income for the months you specify and draws your retirement spending figure from savings during that time. When income resumes, it resumes at the adjusted level through the remaining working years. Income and spending are prorated for partial working years, while investment returns apply to the opening annual balance. A working-period shortfall is carried as zero-interest debt; actual financing may be unavailable or costly.

One fixed return every year is the model's biggest simplification. Real markets deliver returns in a sequence, and a downturn in the first years of retirement does far more damage than the same downturn later. Treat a single line as one scenario among many, not a forecast.

Projection Calculator Questions

How long would my savings last if I were laid off?

Runway models spending from the accessible savings and investments you enter, with monthly returns and inflation. Exclude home equity, vehicles and accounts you cannot draw on now. It assumes no income, severance or unemployment benefits. A fixed positive return can overstate runway in a downturn; it is an illustration, not a guaranteed minimum.

Where does the income figure come from?

Median annual wages come from the 2025 BLS Occupational Employment and Wage Statistics program, the same source behind this site's wage pages. Selecting an occupation and county fills in the local median for that job. OEWS reports by metropolitan and nonmetropolitan areas, so counties in the same area share a figure.

What return rate should I use?

The calculator defaults to 6% nominal, below the long-run average for a diversified stock portfolio and well above cash. It applies one flat rate every year, so it cannot show sequence-of-returns risk; the real danger that a market drop early in retirement hurts far more than the same drop later.

Does this account for Social Security, pensions, or taxes?

No. This illustration excludes Social Security, pensions, taxes, property, and accounts unavailable to you today. All spending comes from the accessible balance you enter. It does not estimate your complete retirement resources. If you enter related debt or the modeled layoff creates a shortfall, contributions repay that debt at an assumed zero interest rate; actual borrowing costs could make the result worse.

Is this financial advice?

No. It is an arithmetic illustration of the inputs you enter, published for general information. It does not know your circumstances and is not a recommendation to save, spend, invest, or retire in any particular way. For decisions that matter, talk to a licensed financial professional.

About This Data

Wage seeds come from the 2025 BLS Occupational Employment and Wage Statistics program, the same data behind our Texas wage pages. OEWS publishes by metropolitan and nonmetropolitan areas, so counties inside one area share a median. Income and spending defaults are illustrations based on one worker's wage. The starting accessible balance is $0 until you enter an amount. Our household net worth analysis includes illiquid assets and is not used as spendable savings here.

Projections are calculated in your browser. Calculator inputs are not submitted to our servers or analytics. New shared links keep inputs after #, which browsers omit from HTTP requests. Older links with inputs after ? already send those values to the host on opening; this tool imports them and replaces the address with a fragment-based link.