Bit Crossing

Retirement Lifestyle Planner

Estimate how much you may need to save for the lifestyle you want in retirement.

Years until retirement

30

years

1

Your lifestyle today (after tax)

What do you spend per month today? This should be your after-tax, take-home spending.

2

How will retirement change your spending?

Estimate how your monthly spending will change in retirement, in today's dollars.

Housing

Mortgage paid off, downsizing, or rent changes.

$/month

Travel & Leisure

More travel, hobbies, family visits, or experiences.

$/month

Healthcare

Medical, dental, long-term care, or insurance changes.

$/month

Other

Gifts, taxes, family support, or any other changes.

$/month

Estimated retirement spending in today's dollars

$4,300 /month

Today: $5,000Total change: -$700/month

Today's dollar estimate

$51,600/year

Your retirement lifestyle cost before inflation.

Estimated retirement tax assumption

8.2%

Based on 2026 federal single-filer brackets, with the standard deduction applied.

Estimated future spending needed

$9,287/month

Assumes 2.6% annual inflation through age 65.

Simplified pre-tax withdrawal model. State tax, Social Security, Roth withdrawals, and itemized deductions are not included.

3

Your savings today

Your additional savings are assumed to grow at 7.0% annually until retirement.

Can your plan support Mega Backdoor Roth?

Not sure if your plan allows it? The Mega Backdoor Roth Calculator can help you check.

Go to Mega Backdoor Roth Calculator
4

Ways to reach your goal faster

Small changes can make a big difference.

1

Retire at 66 instead of 65

Work one additional year

+$146,266

at retirement

2

Increase 401(k) contribution

From 8% to 9% of salary

+$188,922

at retirement

3

Reduce retirement spending

$500 less per month in retirement

+$323,975

at retirement

Bit Crossing provides practical estimates to help you understand your options and decide whether the next step may be worth taking. Results are based on the assumptions you provide and simplified financial models. They are not tax, legal, investment, or financial advice. For decisions with significant financial impact or complex situations, consult a qualified CPA, financial advisor, plan administrator, or other appropriate professional.