🏖️Retirement Calculator

Estimate how much you need to save for retirement.

Current Age

Retirement Age

Current Savings ($)

Monthly Contribution ($)

Expected Return (%)

About Retirement Calculator

Find out if you're on track for retirement with this Retirement Calculator. Enter your current savings, monthly contributions, expected rate of return, and target retirement age to project your nest egg. It helps you understand how much you need to save today to retire comfortably tomorrow.

How to Use Retirement Calculator

1
Enter your current savings
Input how much you have already saved for retirement across all accounts.
2
Set your goals and contributions
Enter your monthly contribution, expected return rate, and target retirement age.
3
Review your projection
See your projected retirement balance and whether it meets your income needs.

Common Use Cases

Checking whether current 401(k) contributions are enough
Modeling the impact of starting retirement savings earlier
Comparing different retirement ages
Planning catch-up contributions after age 50

Frequently Asked Questions

How much do I need to retire?

A common rule of thumb is to save 25 times your annual expenses (the 4% rule). This calculator helps you model different scenarios to reach your specific target.

What rate of return should I use?

Historically, a diversified stock portfolio has returned about 7% annually after inflation. Use a conservative 5–6% for a more cautious projection.

Does this account for Social Security?

This calculator focuses on personal savings. You should add your estimated Social Security benefit (found at ssa.gov) to your projected savings for a complete picture.

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