Retirement Calculator

Estimate where your savings may stand at retirement, how much to save toward a target, what withdrawals might look like, and how long a balance can last. Results are illustrative only—not tax or investment advice.

How much might you need?

Projects income to retirement, estimates an income goal (as a share of your final pre-retirement income), subtracts other income, and compares a simple “nest egg” target to a projected balance from ongoing savings.

Your current age

Planned retirement age

Current pre-tax income ($/year)

Expected annual raise on income (%)

Income desired in retirement (% of final pre-retirement income)

Other retirement income ($/month)

Retirement savings rate (% of income)

Current retirement savings

Average annual investment return (before retirement, %)

Savings needed to reach a target

Constant monthly contribution (in today’s dollars) to reach a future goal, using a real return (return minus inflation).

Your age now

Retirement age

Amount needed at retirement ($)

Retirement savings now ($)

Average annual return (%)

Inflation (%/year)

Withdrawals in retirement

Grow savings through your working years, then estimate a level monthly withdrawal over retirement using your assumed return and inflation.

Your age now

Retirement age

Life expectancy

Retirement savings today ($)

Annual contribution ($/year) until retirement

Additional monthly contribution ($)

Return while working (%/year)

Return in retirement (%/year)

Inflation in retirement (%/year)

How long can your money last?

Fixed monthly withdrawal with constant nominal return (does not model inflation on spending).

Current savings ($)

Monthly withdrawal ($)

Average annual return (%)