Searching for a retirement calculator


Q. I am having a hard time finding a retirement calculator for a federal retiree that can help me determine if my current retirement income (from 30 years under CSRS), plus my investments, will be sufficient for me and my wife. Most calculators assume one is still working, contributing to a 401(k) etc., and they want to sell you their investments products. Could you direct me to a calculator (if one exist) for a retired federal employee that allows one to input his yearly retirement benefit plus having allowances for adding inputs for investments with future returns so that I can determine if I will have sufficient funds to last me well into retirement.

A. There are calculators that will figure your annuity income, but there is no calculator that can tell you if your invested assets will meet your needs. Too much depends upon how your assets are managed along the way and other factors beyond the reach of a simple calculator.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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