Built for medical professionals
Physician Retirement Calculator
Estimate retirement balances and sustainable withdrawals using your savings rate, time horizon, and return assumptions in 2026 dollars.
Use it to spot gaps early without adding any personal identifiers.
What this calculator helps you do
- Project balances with adjustable contributions and returns.
- Estimate sustainable withdrawal amounts in retirement.
- See shortfall or surplus against target spending.
- Run quick what-if scenarios with conservative settings.
Who this is for
US residents and attendings gauging long-term retirement readiness using 2026 baseline assumptions.
Physician Retirement Calculator
Project retirement balances, sustainable withdrawals, and potential gaps based on savings rate and returns.
Retirement inputs
Results
Calculated in real time as you update inputs.
Projected Balance at Retirement
$4,200,132
In 33 years at 6.0% assumed return
Annual Sustainable Withdrawal
$168,005
Monthly Withdrawal (4% rule style)
$14,000
Annuity-style Withdrawal
$25,182
Level monthly payout over retirement horizon at same return
Potential Shortfall
$0
If annuity-style payout is below 4% rule withdrawal
Trend / chart
Explanation
Uses a simple future value with monthly contributions at a constant return. Withdrawal rate multiplies the projected balance. The annuity-style withdrawal shows a fixed payout over your retirement horizon at the same assumed return; shortfall shows if that payout is below the 4% rule style withdrawal.
No taxes, inflation adjustments, or employer match are included. Adjust savings rate or return assumptions to fit your plan.
Non-Device Clinical Decision Support (CDS) Notice
This calculator is Non-Device Clinical Decision Support (CDS) and is intended to assist, not direct, independent physician judgment.
The clinician is responsible for verifying the underlying math and assumptions against cited PubMed references before applying outputs in care.
How to use this calculator
- Enter current savings, monthly contributions, and expected return rate.
- Set years to retirement and desired annual spending in retirement.
- Review projected balance and sustainable withdrawal estimates.
- Adjust returns downward to stress-test volatility.
- Revisit yearly to reflect updated savings and market shifts.
Understanding your results
- Assumes constant returns; real markets fluctuate—stress-test lower returns.
- Inflation and taxes are not fully modeled; adjust spending targets accordingly.
- Employer matches and pension benefits should be added to contributions separately.
- This is not individualized financial advice—use it as a planning snapshot.
Common questions
Are taxes and inflation included?
Not comprehensively. Adjust your spending target to account for taxes and inflation.
Can residents use this?
Yes. Early projections help set realistic savings habits even with smaller contributions.
Does this include Social Security?
No. Add expected benefits separately to your spending plan.
Which year’s dollars are shown?
Outputs display in 2026 dollars for consistency across calculators.
Sources and methodology
- Bogleheads guidance
- Academic retirement planning literature
- IRS
Changelog: Updated for 2026 assumptions and refreshed copy.
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