Christian Retirement Calculator
Plan your future. Honor your faith.
Calculation disclosures
Monthly allocation basis: All income allocations are computed monthly (annual pre-tax income ÷ 12 × allocation %). Annual totals are the sum of twelve monthly contributions, each growing with the annual income increase rate.
Annual retirement income line: The "Annual Retirement Income" field represents the nominal spending target for the first year of retirement. Pre-retirement, the line is shown flat at this value as a reference. At retirement age it matches the field exactly, then grows with the inflation rate each subsequent year.
Giving in retirement: Church tithe and charitable giving percentages are applied to total annual retirement income (including Social Security, if enabled), then grow with inflation. Giving is treated as a lifestyle outflow, not as a portfolio withdrawal.
Social Security estimate: Benefits are estimated using the 2025 SSA bend-point formula (bend points: $1,226 / $7,391). AIME is approximated from current annual income as a career-average proxy. The PIA is adjusted for claiming age relative to your Full Retirement Age. Actual benefits depend on your full earnings history and are available at ssa.gov. Social Security offsets annual portfolio withdrawals; any shortfall is funded by the portfolio.
Investing at retirement: Monthly investing contributions cease entirely at retirement age. The accumulated portfolio shifts to the post-retirement rate of return and funds withdrawals net of Social Security.
Required nest egg: Calculated as the present value of annual withdrawals (annual retirement income less estimated Social Security) beginning at retirement, growing with inflation each year through life expectancy, discounted at the real post-retirement rate of return.
On track / Needs attention: Compares projected portfolio balance at retirement to the required nest egg. "Needs attention" means contributions are projected to fall short of funding the retirement income gap through life expectancy.
Returns: Rates of return are applied annually. Contributions and withdrawals are modeled as lump sums at year-end. Actual returns will vary and are not guaranteed.
This tool is for illustrative and educational purposes only. It does not constitute financial, tax, or investment advice. Consult a qualified financial advisor before making retirement planning decisions.