How Much Do You Need to Retire?

Your Current Age

Your Planned Retirement Age

Your Life Expectancy

Your Current Pre-Tax Income ($/year)

Assumptions

Your Current Income Increase (%/year)

Income Needed After Retirement

of current income

Average Investment Return (%/year)

Inflation Rate (%/year)

Optional

Other Income After Retirement ($/month) Social Security, pension, etc. Enter the amount at retirement age.

Your Current Retirement Savings ($)

Future Retirement Savings

of income

Results

Nest Egg Needed at Retirement	—
Projected Savings at Retirement	—
Surplus / Shortfall	—
Percent Funded	—
Monthly Income (at retirement)	—
Monthly Income (today's money)	—
To Reach Target — Save Monthly	—
To Reach Target — Save Annually	—
To Reach Target — Save % of Income	—

How to Plan for Retirement

This calculator follows the same planning model used by leading retirement tools: project your savings from current income and contribution rate, estimate the nest egg required to fund retirement spending through your life expectancy, and show how much more you may need to save.

Key Inputs

Pre-tax income — your current annual earnings; savings can be entered as a percentage of income or a fixed annual amount.
Income needed after retirement — target replacement rate (e.g. 75% of current income) or a dollar amount in today's money.
Other income — monthly Social Security, pension, or rental income at retirement age, which reduces what your portfolio must provide.

Disclaimer. This calculator is for informational purposes only and does not constitute financial advice. Actual returns, inflation, taxes, and Social Security benefits will vary.