Retirement Calculator

Estimate how much you'll need to retire and whether you're on track based on your current savings and contributions.

Estimate how much you'll need to retire and whether you're on track based on your current savings and contributions.

What you can figure out

• Whether your current savings rate is on track to replace the income you want in retirement.
• The impact of delaying retirement by a few years vs. saving more aggressively now.
• How Social Security fits into the picture alongside 401(k) and IRA balances.
• A rough check on whether the 4% safe-withdrawal rate covers your projected expenses.

How it works

The retirement calculator takes your current age, target retirement age, current balance, annual contribution, expected return, and desired retirement income, then projects whether the plan is on track. It is a planning tool, not a financial-planning engagement — the output is a useful first look, not a substitute for a CFP who knows your full picture.

Privacy

This calculator runs entirely in your browser. Nothing you type is saved, transmitted, or shared with us or any third party. See our privacy policy for the full details, or browse more tools on the calculators page.