Try the real planner.
This is Meridary running live on a sample household, no signup, nothing saved. Drag a lever and watch the odds your money lasts, and the year it could run dry, move in real time.
What you can change
Three quick ways to see how the projection responds before you build a plan of your own.
Start with the sample
Choose a mid-career saver or near-retiree household to see a different starting point.
Change the levers
Try a different starting balance, yearly contribution, or retirement spending.
Read the result
Watch the earliest sustainable retirement age and year-by-year projection recompute together.
You’re in the sample.
Build my personal snapshot instead45, saving hard — when can you stop working?
Try another household to see how the same levers behave for a different starting point.
Your numbers$500,000 invested
One starting invested balance — Traditional, Roth, and taxable stay in the sample mix.
What if your starting savings were different?
Your levers
Drag to watch the projection recompute.
What if you save more?
What if you spend more?
Assumptions fixed in this demo
- Current age
- 45
- Filing status
- Single
- Annual wages
- $130,000
- Employee 401(k)
- $22,000/yr
- Employer match
- $7,000/yr
- Social Security benefit
- $32,000/yr
- Social Security claim age
- 67
- Roth conversion
- $0/yr
- Invested allocation
- $300,000 Traditional · $80,000 Roth · $120,000 taxable
- Cash
- $30,000
- Investment return
- 6.0%
- Inflation
- 2.5%
- Plan ends at
- age 95
The full planner lets you edit every one of these with your own numbers.
Working out the earliest retirement age…
Median ending net worth –.
Charts, the year-by-year table, and the baseline depletion and ending-worth figures follow this sample household retiring at age 65.
Ready for your numbers?
Build your personal snapshot before you pay.
We’ll guide you through your household, income, accounts, saving, and retirement goal. Your answers stay in this browser until you choose to purchase.
Does this projection look right? Leave feedback
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What this demo shows. This demo runs the real Meridary engine on a sample household. It models U.S. federal income tax, a single flat state rate, your accounts, Social Security, RMDs, and Roth conversions, for a single-earner household with no dependants. Social Security benefit amount and claim age are held fixed on the sample household. Once you turn 65, it prices your Medicare IRMAA surcharge from MAGI two years back and deducts it from your plan, the same lookback Medicare uses. Before Medicare it deducts net marketplace healthcare (gross premium minus premium tax credit) using the same stated national benchmark and filing-status household size as the full planner. The Social Security tax phase-in is still only flagged, not deducted. It does not model a house, mortgage, or other debt, or a second earner. The sample figures are illustrative, and nothing you change here is saved.
This is an educational estimate, not tax or financial advice. Figures reflect the law year shown and the inputs you provide. Consult a qualified professional before acting.
See how the calculator rules and planning engine are validated.