Retirement Calculator

Your Details

Current Situation

Current Age

Retirement Age

Current Annual Income

Current Retirement Savings

Monthly Contribution

Employer Match

None Simple Tiered

Match up to %

Dollar-for-dollar up to this % of your salary

Investment Returns

Pre-Ret Return

Post-Ret Return

Inflation

Retirement Income

Desired Annual Retirement Income

Typically 70-80% of current income

Social Security (mo)

Pension (mo)

Life Expectancy

F.I.R.E. Analysis

Enable F.I.R.E. calculations

Projected Savings

at retirement

Adequacy Score

Monthly Retirement Income

estimated

Income Gap

per year

until retirement

Employer Match Breakdown

Simple

	% of Salary	Monthly	Annual
Total Going to Retirement

Income Sources

Savings Projection

Recommendations

F.I.R.E. Analysis (Financial Independence, Retire Early)

F.I.R.E. Strategy

Basic Lean Coast Fat

Save 25× your annual expenses. Once reached, you can live off 4% withdrawals indefinitely and never need to work again.

Your F.I.R.E. Target

Current Savings

Progress to F.I.R.E. 0%

Total Monthly Savings Needed

Target F.I.R.E. Age: 45

253545556570

All F.I.R.E. Numbers at a Glance

Lean 70% expenses	$0
Basic 100% expenses	$0
Fat 150% expenses	$0
Coast needed today	$0

What-If Scenarios

Year-by-Year Projection

Age	Year	Balance Start	Contributions	Growth	Portfolio Withdrawal	Total Income	Balance End

Enter your details to see your retirement projection

We'll project your savings growth, estimate retirement income, and identify any shortfalls.

Are You Saving Enough to Retire?

Retirement planning starts with knowing your numbers. This calculator projects your retirement savings based on your current age, savings rate, expected returns, and retirement timeline. It estimates whether you'll have enough to maintain your lifestyle and identifies any income gap you may need to address.

The earlier you start planning, the more time compound growth has to work in your favor. Even small adjustments — like increasing your 401(k) contribution by 1% or retiring two years later — can have a dramatic impact on your retirement readiness. Use the what-if scenarios in this calculator to explore different paths to a comfortable retirement.

Frequently Asked Questions

A common guideline is to have 25 times your annual expenses saved by retirement (the "4% rule"). For example, if you need $50,000 per year in retirement, you'd want $1.25 million saved. This calculator provides a more personalized estimate based on your specific income, expenses, Social Security, and expected returns.

The 4% rule is a guideline suggesting you can withdraw 4% of your retirement savings in the first year, then adjust for inflation each year after, with a high likelihood your money lasts 30+ years. While it's a helpful starting point, your actual safe withdrawal rate depends on market conditions, your investment mix, and how long your retirement may last.

Yes, Social Security can be a significant part of your retirement income. This calculator lets you include an estimated Social Security benefit. You can check your projected benefit at ssa.gov. However, it's wise to plan conservatively — don't rely on Social Security as your sole income source.

It's never too late to start. Even in your 40s or 50s, you can make significant progress through catch-up contributions (extra 401k/IRA contributions allowed after age 50), reducing expenses, maximizing employer matches, and potentially adjusting your retirement timeline. Use the what-if scenarios in this calculator to see how changes affect your outlook.

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