Lifetime investing calculator

Money Seasons

A retirement calculator and investment growth calculator for the way investing actually happens: changing income, different contribution seasons, evolving stock and bond mixes, retirement withdrawals, historical returns, and future dollars translated into today's spending power.

Start calculating
30-40 $500/mo Building the habit
40-50 $1,000/mo Peak earning years
50-65 $18k/yr Catch-up season
65+ 4% Retirement withdrawals

Why it is different

Regular calculators flatten your life. Money Seasons keeps the shape.

Contribution seasons

Most compound interest calculators assume the same monthly investment forever. This lets you model real stretches: early career, family years, higher income years, catch-up years, or time off.

Retirement is part of the plan

Keep investment returns running after retirement and test withdrawal rates instead of stopping the retirement calculator right when the most important questions start.

Stock, bond, and historical views

Compare stock-only, stock-and-bond, and historical return paths, including different stock and bond allocations before and after retirement.

Today's spending power

Toggle an inflation-adjusted view near the graph to see what future balances may feel like in today's dollars.

Money Seasons calculator

Build your lifetime scenario

Model long-term investing with age-based contribution seasons, steady growth assumptions, and clear retirement targets.

Baseline
Return model

Stock-only mode applies the stock return to the full portfolio.

Stock and bond mode blends the stock and bond returns using the selected allocation.

Uses annual S&P 500 total returns and 10-year Treasury bond returns from 1928-2025. Percentage mode can use a different split before and after retirement. Static bond mode keeps up to that dollar amount in bonds and treats the rest as stocks.

Historical return data source: Aswath Damodaran, NYU Stern.

Post-retirement

Withdrawals are paid monthly.

Contribution Schedule

Add the different money seasons of your life.

Projected end portfolio

$0

0 years modeled
At retirement $0
First-year withdrawal $0
Withdrawal in today's dollars $0
Total contributions $0
Total withdrawals $0
Investment gain $0
Today's dollars $0
Age Phase Stocks Return Total contrib. Total withdrawn Balance Today's $