Retirement liability matching calculator

Adjust sliders or type values directly to find the minimum return required to fund your retirement income goal.

Accumulation phase

Current portfolio
$
Annual contribution
$
Years to retirement
yrs
Current age

Retirement phase

Annual income need
$
Retirement duration
yrs
Inflation assumption
%
Real return in retirement
%
Min. required return
—
Portfolio at retirement
—
PV of income liabilities
—
Funding ratio
—
Yr-1 withdrawal (inflated)
—
Portfolio exhausted at
—
Portfolio balance Contributions only (no growth) Retirement start
Portfolio projection chart