Our comprehensive retirement calculator helps you plan for a secure retirement. Enter your current savings, monthly contributions, and expected expenses to see if you're on track. Calculate how much you need to retire comfortably, find out your projected retirement income, and see how long your savings will last. Includes inflation adjustment and investment return projections.
| Age | Contrib | Balance |
|---|
+$7,500 catch-up if 50+
+$1,000 catch-up if 50+
Triple tax advantage
Input your current age and desired retirement age.
Enter total retirement savings (401k, IRA, etc.).
Enter how much you save for retirement monthly.
View if you're on track and what you'll have at retirement.
The 4% rule suggests you can safely withdraw 4% of your savings annually in retirement. This means you need 25× your annual expenses saved. Your savings grow with compound interest until retirement, then provide income through withdrawals.
Retirement Goal = Annual Expenses × 25 (4% Rule)
The 4% rule: Withdraw 4% of savings annually for ~30 years of retirement
Start early - compound interest makes a huge difference over 20-30 years
Max out employer 401(k) match - it's free money
Consider healthcare costs - often the biggest retirement expense
Social Security typically replaces 30-40% of pre-retirement income
Aim to replace 70-80% of pre-retirement income in retirement
Review and adjust your plan annually as circumstances change
Consider part-time work in early retirement for extra income and purpose
Our free retirement calculator helps you plan for a secure financial future. See how much you need to retire, whether you're on track, and what adjustments might help you reach your goals. Includes projections for investment growth, inflation, and Social Security.
Calculate how much you need to save for retirement based on your expected expenses. Our retirement savings calculator uses the proven 4% withdrawal rule to determine your target nest egg and shows if your current savings rate will get you there.
Planning to retire early? Our FIRE (Financial Independence, Retire Early) calculator shows when you can achieve financial independence. Enter your savings rate and expenses to see your path to early retirement.
See how much monthly income your retirement savings will provide. Our retirement income calculator factors in Social Security, pensions, and investment withdrawals to show your total retirement income.
Maximize your 401(k) for retirement. Our calculator shows how employer matches and tax-advantaged growth accelerate your retirement savings. See the impact of increasing your contribution rate.
Data sourced from trusted institutions
All formulas verified against official standards.