Money Seasons calculator

Build your lifetime scenario

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

Baseline Initial age Retirement age Initial investment

Return model Model Historical start year Stock return

Bond return

Allocation style Pre-retirement stocks

Post-retirement stocks

Static bond amount

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 Include post-retirement Plan until age Withdrawal rate

Withdrawal style

Withdrawals are paid monthly.

Contribution Schedule

Add the different money seasons of your life.

Projected end portfolio

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

Today's dollars Inflation

Age	Phase	Stocks	Return	Total contrib.	Total withdrawn	Balance	Today's $