United States · USD · Pension guide
Separate the day you stop working from the day Social Security begins. Bring your personal benefit estimates and see how accessible savings could fund the years in between.
Open the calculatorIt compares spending, manually entered pensions and accessible savings in USD, in today's purchasing power.
Use your own after-tax pension estimate. Read the full example
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SSA provides benefit estimates based on your earnings record. Stopping work and starting benefits are different decisions. Request a projection for each claiming age and future earnings assumption you want to compare; moving a date in this calculator does not recalculate Social Security.
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A pension payment belongs in an income field. Money used to buy that same pension must not also be counted as savings. For investment accounts, establish what is accessible and how withdrawals will be taxed before translating a statement balance into a spendable budget.
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List expenses that continue after your final paycheck, including health coverage and housing. Compare those with the pension income actually starting in each year. This model uses after-tax inputs; it does not calculate federal or state tax, required distributions, account access penalties or insurance costs.
Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.