Retirement Calculator
Calculate how much you need to save for retirement and whether you're on track. Factor in your current savings, monthly contributions, expected investment returns, Social Security, inflation, and desired retirement age. See projections for your retirement nest egg and sustainable withdrawal rates.
Key Features
- ✓Retirement savings goal calculation
- ✓Current trajectory projection
- ✓Social Security estimation
- ✓Inflation-adjusted projections
- ✓Sustainable withdrawal rate (4% rule)
- ✓Gap analysis: how much more to save
How to Retirement Calculator — Plan Your Future
- 1
Enter current situation
Input your age, current savings, and monthly contributions.
- 2
Set retirement goals
Choose retirement age and desired annual income.
- 3
View projections
See if you're on track and what adjustments may be needed.
Common Use Cases
- •Planning retirement savings strategy at any age
- •Determining if current savings rate is sufficient
- •Exploring the impact of retiring earlier or later
- •Understanding how investment returns affect retirement readiness
Frequently Asked Questions
What is the 4% rule?▼
The 4% rule suggests you can withdraw 4% of your retirement portfolio annually (adjusted for inflation) with a high probability of not running out of money over 30 years. A $1M portfolio would support ~$40,000/year.
How much do I need to retire?▼
A common guideline is 25× your desired annual retirement spending. If you want $60,000/year, target $1.5 million. Adjust based on Social Security, pensions, and other income.