Retirement Calculator

Estimate how much you need to save for a comfortable retirement. See if you're on track and how to close any savings gap.

Use this calculator Compare all calculators
yr
18 yr70 yr
yr
50 yr80 yr
$
$0$2,000,000
$
$0$10,000
%
1%15%
%
0%8%
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$1,000$20,000

You have a savings gap

You need $414,416.57 more to meet your retirement income goal.

Retirement Projection (Today's Dollars)

Savings at Retirement$1,085,583.43
Target Savings Needed$1,500,000
Sustainable Monthly Income$3,618.61
Your Desired Income$5,000
All values shown in today's dollars (adjusted for inflation). Based on the 4% safe withdrawal rule.

Savings Trajectory

What this means

  • • Retirement progress is mostly a contribution-rate decision.
  • • A few extra working years can materially improve outcomes.
Stress-test compounding

Compare next

Most visitors get better outcomes by comparing at least two scenarios.

Compound Interest

Stress-test contribution discipline.

Investment Return

Test realistic long-term return ranges.

Savings Goal

Plan near-term buffers before retirement.

Retirement Planning, Framed Clearly

This calculator shows whether your current savings path can support your target retirement lifestyle.

Age Benchmarks (Quick Reference)

Age 30: ~1× salary
Age 40: ~3× salary
Age 50: ~6× salary
Age 60: ~8× salary
Age 67: ~10× salary

If You’re Behind

Increase contributions

Small annual increases compound meaningfully.

Delay retirement slightly

Extra years can materially improve outcomes.

Lower expected expenses

Reduces required portfolio size.

Use catch-up room

Age 50+ limits can accelerate progress.

Frequently Asked Questions

How much do I need to retire?
A common starting point is ~25× desired annual spending (4% rule). This calculator personalizes that estimate using your inputs.
What is the 4% rule?
The 4% rule is a planning guideline: withdraw ~4% in year one, then adjust for inflation. It is a starting estimate, not a guarantee.
When should I start saving for retirement?
Earlier is better because time compounds. But starting later still helps—consistency matters most.
How much should I contribute to my 401(k)?
At minimum, capture full employer match. A common target is ~15% of income (including match), adjusted to your plan and cash flow.
Should I save in a Roth or Traditional retirement account?
Roth vs Traditional depends on current vs future tax bracket expectations. Many people use both for tax diversification.

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