Free Retirement Calculator: See Your Cash Flow in Retirement
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Retirement Calculator: Find Out How Long Your Money May Last

Help avoid costly retirement mistakes with our FREE Microsoft Excel retirement calculator.

Covenant Wealth Advisors Free Retirement Calculator Excel 2.JPG
Free Retirement Calculator Excel.JPG

Download and Start Using Our Retirement Calculator:

When can I retire?

Do I have enough money to retire?

How much retirement income can I potentially generate from my portfolio?

How will taxes impact my income?

How will differing return projections impact my portfolio?

Will there be money left for my heirs?

How will different inflation rates impact my income?

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Retirement projections are essential - but how do you prepare?

Let's face it: preparing for retirement can be daunting. Making your money last 25 years or more can be incredibly stressful, especially when you've never done it before .

Strong pensions are becoming harder to find at U.S. employers. But, even if you have a pension, the rising costs of healthcare makes it imperative that you understand all of the considerations necessary for a comfortable retirement. 

 

To get you past the oh-so-common feeling of pre-retirement anxiety, we've built a proprietary retirement calculator to help you understand what may impact your financial security in retirement.

With our retirement income calculator, you'll get a head start on understanding how key factors like savings, portfolio return, and taxes may impact your cash flow in retirement.

 

Make preparation for retirement easier! 

Join 13,423+ individuals who have already downloaded from our site

Disclosures:

This illustration is hypothetical and does not represent the return on any particular investment. The rate of return is not guaranteed. All investing is subject to risk, including the possible loss of the money you invest.

 

Information and interactive calculators are made available to you as educational tools for your independent use and are not intended to provide financial planning or investment advice. These tools help you see which factors are most important to consider in making a particular financial decision, and they illustrate the relative impact of each factor on the projected outcome.

 

All examples in the retirement calculator are hypothetical and for illustrative purposes only. We cannot and do not guarantee the accuracy of the results or their applicability to your individual circumstances.

 

Covenant Wealth Advisors is a fully independent, fee-only wealth management firm and registered investment advisor located in Richmond, Reston and Williamsburg, VA. Registration of an investment advisor does not imply a certain level of skill or training. We are a fiduciary. This means we must always put client interests ahead of our own. We are also a fee-only firm. This means we never receive commissions or third party payments and are only compensated by our clients for advice.

 

Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital.The views and opinions expressed in this content as of the date of the posting, are subject to change based on market and other conditions. Nothing is intended to be, and you should not consider anything to be, investment, accounting, tax or legal advice. If you would like accounting, tax or legal advice, you should consult with your own accountants, or attorneys regarding your individual circumstances and needs. No advice may be rendered by Covenant Wealth Advisors unless a client service agreement is in place.

© Copyright 2025. Covenant Wealth Advisors, Inc. All rights reserved. Covenant Wealth Advisors is a Registerd Investment Advisor located in Richmond, VA, Reston, VA and Williamsburg, VA.

 

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Email: info@mycwa.com

Hours of Operation:

Mon - Friday: 08:30 AM - 05:00 PM 

 

WILLIAMSBURG VA LOCATION

351 McLaws Circle,

Suite 1

Williamsburg, VA 23185

(757) 259-0111

 

RICHMOND VA LOCATION

8001 Franklin Farms Drive

RM 208

Richmond, VA 23229

(804) 729-5265

RESTON VA LOCATION

1768 Business Center Drive

Suite 120

Reston, VA 20190

(703) 991-2000

Disclosures:

Services offered by Covenant Wealth Advisors (CWA), a fee only financial planner and registered investment adviser with offices in Richmond, Reston, and Williamsburg, Va. Registration of an investment advisor does not imply a certain level of skill or training. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. Investments involve risk and there is no guarantee that investments will appreciate. Past performance is not indicative of future results. By entering your info into our forms, you are consenting to receive our email newsletter and/or calls regarding our products and services from CWA. This agreement is not a condition to proceed forward. Nothing is intended to be, and you should not consider anything to be, investment, accounting, tax or legal advice. If you would like accounting, tax or legal advice, you should consult with your own accountants, or attorneys regarding your individual circumstances and needs. No advice may be rendered by Covenant Wealth Advisors unless a client service agreement is in place. If referenced, case studies presented are purely hypothetical examples only and do not represent actual clients or results. These studies are provided for educational purposes only. Similar, or even positive results, cannot be guaranteed.

 

Awards and Recognition

Covenant Wealth Advisors was nominated by Newsweek/Plant-A-Insights Group in November of 2024 as one of America's Top Financial Advisory Firms for 2025. You may access the nomination methodology disclosure here and a list of financial advisory firms selected.

CWA was nominated for the Forbes Best-In-State Wealth Advisor 2025 ranking for Virginia in April of 2025. Forbes Best-In-State Wealth Advisor full ranking disclosure. Read more about Forbes ranking and methodology here.
 

USA Today’s 2025 ranking is compiled by Statista and based on the growth of the companies’ assets under management (AUM) over the short and long term and the number of recommendations they received from clients and peers. Covenant was selected on March 19th, 2025. No compensation was paid for this ranking. See USA state ranking here. See USA Today methodology here. See USA Today for more information.

 

CWA was awarded the #1 fastest growing company by RichmondBizSense on October 8th, 2020 based on three year annual revenue growth ending December 31st, 2019. To qualify for the annual RVA 25, companies must be privately-held, headquartered in the Richmond region and able to submit financials for the last three full calendar years. Submissions were vetted by Henrico-based accounting firm Keiter. 

 

Expertise.com voted Covenant Wealth Advisors as one of the best financial advisors in Williamsburg, VA  and best financial advisors in Richmond, VA for 2025 last updated as of this disclosure on February 12th, 2025 based on their proprietary selection process. 

CWA is a member of the Better Business Bureau. We compensate the BBB to be a member and our BBB rating is independently determined by the BBB.

 

CWA did not compensate any of the entities above for the awards or nominations. These award nominations were granted by organizations that are not CWA clients. However, CWA has compensated Newsweek/Plant-A Insights Group, Forbes/Shook Research, and USA Today/Statista for licensing and advertising of the nomination and compensated Expertise.com to advertise on their platform.

 

While we seek to minimize conflicts of interest, no registered investment adviser is conflict free and we advise all interested parties to request a list of potential conflicts of interest prior to engaging in a relationship.

Client retention rate is calculated by (total clients at end of period - new clients acquired during period)/total clients at start of period) x 100%. 

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