Let's make sure your money goes the distance — just like you will.
The PROS™ Retirement Calculator shows you year by year how long your savings will last. Most retirement calculators give you a vague number and call it a day. PROS™ doesn't. You put in your real numbers, and we show you the full picture.
You'll see exactly how your balance changes each year of retirement — factoring in your pension, Social Security, healthcare, and housing. You'll also see what happens when you change just one thing, like retiring a year later or saving a little more each month.
Built specifically for women who want straight answers, not generic advice. Because the old rules weren't written for us anyway.
Not sure where to find your numbers? Here's your quick cheat sheet.
- Current balance — Check your most recent 401(k), 403(b), or IRA statement
- Annual savings — What you put in each year. Check your pay stub or HR portal.
- Social Security estimate — Free at ssa.gov. Log in and look up your projected benefit.
- Pension amount — Call HR or check your most recent pension statement.
- Monthly expenses — Rent or mortgage + food + utilities + transportation is a solid starting point.
- Not sure? Just estimate. Round numbers still give you useful answers. You can always come back and refine.
Everything you enter stays private. Nothing is saved, stored, or shared. Close the page and it's gone.
Know Your Number. Own Your Future.
Fill in what you know. We'll take it from there and show you your year-by-year retirement picture.
Your timeline
Your income & savings
This also covers inflation — 3% is a reasonable estimate if you're not sure.
Enter 0 if you plan to save the same amount every year.
A mixed stock and bond portfolio has historically returned around 6–7%. Use a lower number to be safe.
Most people shift to more conservative investments after retiring. 3–5% is common.
Your guaranteed income in retirement
These are income sources that will pay you no matter what the market does — like a steady paycheck that never stops.
If you have a pension from a job — government, school, union — enter the annual amount you'll receive. Not sure? Check your HR department or your most recent pension statement. Enter 0 if you don't have one.
Some pensions have a cost-of-living adjustment (COLA). Enter 0 if yours stays flat.
Find your estimate free at ssa.gov — log in and look up your projected benefit. Enter 0 if you're not sure yet.
This could be rental income, part-time work, or annuity payments. Enter 0 if none.
Your retirement spending
Most planners suggest 70–80% of your pre-retirement income. You can also fill in your actual monthly expenses below instead — we'll use whichever is higher.
Don't forget — Medicare doesn't cover everything. Budget for premiums, copays, and out-of-pocket costs.
Food, transportation, entertainment, travel — the stuff that makes retirement worth having.
Women live longer than most projections assume. If you're 65, planning to age 95 means 30 years. We recommend planning longer than you think you'll need.
Timing choices
Waiting longer means a bigger monthly check for life. The difference between age 62 and age 70 can be 70% more per month.
If you have a pension or other income, you may be able to delay tapping your savings — giving them more time to grow.
Year-by-year projection
What this means for you
Frequently Asked Questions
Real questions women ask when they first use PROS™.
How is this different from other retirement calculators?
Most retirement calculators give you a single number — "you need $1.5 million" — and leave you to figure out the rest. That's not very helpful when you're trying to make real decisions. PROS™ shows you your savings year by year, factoring in your pension, Social Security timing, healthcare costs, and how you plan to draw from your savings. You'll see the exact year your balance could run low — and what happens when you change one thing.
What if I don't know all my numbers?
Estimate. This tool is built for planning, not perfection. Use your most recent 401(k) statement for your balance. Check ssa.gov for your Social Security estimate — it's free and takes about 2 minutes. Use a rough monthly budget for expenses. Even ballpark numbers give you useful clarity. You can always come back and refine as you learn more.
What's a reasonable investment return to use?
A diversified mix of stocks and bonds has historically returned around 6–7% before retirement (when you can afford more risk) and 3–5% after retirement (when protecting what you have matters more). Returns aren't guaranteed — try a few different numbers. If your plan only works at 8% returns, that's important to know now.
Should I delay Social Security?
It depends on your health, your other income, and when you need the money. Claiming at 62 means a smaller monthly check for life. Waiting until 70 means up to 70% more per month — but you give up 8 years of payments. Run the projection with different Social Security start ages and see which one keeps your savings healthy longer. There's no single right answer, but the numbers will help you see the tradeoff clearly.
What's the difference between the two withdrawal strategies?
"Live on guaranteed income first" means you rely on your pension and Social Security to cover your expenses and only tap your savings when you need to fill a gap. This lets your investments keep growing longer. "Draw from savings right away" means you start using your savings immediately to cover the difference between your guaranteed income and your spending. Most financial planners recommend delaying withdrawals when possible — but it depends on your specific situation. Try both options in PROS™ and see the difference.
My projection says my savings might run short. What do I do?
First — take a breath. That's exactly what this tool is here to show you, while you still have time to act. You have four levers: save a little more each month, trim your planned retirement expenses, work a year or two longer, or delay when you start drawing from savings. Try changing just one number and run the projection again. Often a small adjustment makes a big difference. The goal is to give you time to make changes now, not to scare you.
Is my information saved anywhere?
No. Nothing you enter into PROS™ is saved, stored, or shared. Everything runs in your browser. Close the page and it's gone. No account needed, no email required, no one tracking what you enter. This is a completely private tool.