ALM Retirement Calculator
Your Profile
Start with where you are today.
Your age today.
The age you want to retire.
Before tax.
Money already saved or invested.
What you add each month, outside ALM.
Assumptions
What savings earn a year. The S&P 500 averaged 10% from 1928 to 2025.
How fast prices rise. The US average is about 3% a year since 1926. All results are in today's dollars.
Your Retirement
Pick what you will spend each month once you stop working.
Monthly Expenses is required.
Everything you will pay for each month once retired: rent, food, car, fun. Your bills today are a good place to start.
The share of your savings you take out each year to pay those expenses. Auto lowers it the younger you retire, so the money lasts to age 95. Or pick one rate for every age: at 4%, you need 25 times a year of expenses saved.
How Fast Can You Retire With ALM?
Add the trades you make in a normal month, and the Vault if you are in it. Your retirement age updates as you go.
Your Trades
Done the ALM way, winning trades add money to invest every month. That money pulls your retirement date closer.
5 trades max.
- Trades Per Month
- Monthly Profit
Example inputs. Not a result.
Where Your Profit Goes
Taxes come out first. Then pick how much of the rest to invest for retirement. Whatever is left is spending money.
Crypto profits from trades held under a year are taxed like regular income.
The part of your after-tax profit that goes toward retirement.
- Invested Per Month
The Vault
If you're in the Vault program, enter your info below. The Trades + Vault row counts it together with your trades. Not in it? Set Deposit to $0.
Deposit must be $500 or more.
Money in the Vault, separate from Current Savings.
Retirement Age
SampleSample numbers. Fill in the 3 steps to see yours.
Money by age on each path. A line stops when it reaches your Retirement Number.
The age each path reaches each amount, in today's dollars.
What each path needs to retire by your Goal Age.
| Path | Needed | Now | Status |
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