Retirement Calculator

Calculate how much you need to retire comfortably. Input your current savings, a...

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Retirement Calculator Features

Plan your retirement with confidence

Retirement target calculation
Multiple withdrawal rates
Early retirement support
Progress tracking
Scenario comparison
Flexible age ranges
No signup required
Mobile-friendly
Instant results
Educational guidance
FIRE planning support
Free unlimited use

Why Use Retirement Calculator?

Clear Retirement Target

Know exactly how much you need to retire. See your target number based on desired income and safe withdrawal rates.

Track Progress

See if your current savings rate puts you on track. Identify gaps early while you have time to adjust.

Timeline Flexibility

Explore different retirement ages. See how retiring early or late affects your required savings.

Stress Test Scenarios

Test different return rates and withdrawal percentages. Plan for both optimistic and conservative scenarios.

Common Use Cases

Retirement planning for every situation

Retirement Readiness Check

Are you on track? See if your current savings rate will get you to your retirement goal on time.

FIRE Planning

Planning Financial Independence, Retire Early? Calculate your FIRE number and timeline.

Retirement Age Exploration

What if you retire at 55 instead of 65? See how different retirement ages affect your required savings.

Catch-Up Planning

Started saving late? Calculate how much extra you need to contribute to catch up.

How It Works

1

Enter Current Status

Input your age, current retirement savings, and monthly contribution amount.

2

Set Retirement Goals

Choose your desired retirement age and annual income you want in retirement.

3

Adjust Assumptions

Set expected return rate and safe withdrawal rate based on your risk tolerance.

4

Review Your Plan

See if you're on track, your projected balance at retirement, and years your money should last.

Pro Tips for Retirement Planning

Know Your Number

Your retirement number is typically 25x your annual expenses. This gives you a clear savings target to work toward.

Build in Safety Margin

Plan for more than you think you need. Healthcare costs increase with age, and unexpected expenses happen.

Plan for Sequence Risk

Market crashes early in retirement are more damaging than later ones. Having 2-3 years of expenses in cash provides buffer.

Consider Healthcare

Healthcare before Medicare (age 65) is expensive. Factor in $500-1500/month for health insurance if retiring early.

Frequently Asked Questions

A common rule: you need 25x your annual expenses (based on 4% withdrawal rate). For $60,000/year income, that's $1.5 million. This calculator helps you determine your specific number.
The 4% rule suggests you can withdraw 4% of your portfolio in year one, then adjust for inflation each year, and your money should last 30 years. It's based on historical market data.
For early retirement (30+ years), use 3-3.5%. For traditional retirement, 4% is reasonable. More conservative rates provide more safety margin against market downturns.
For stock-heavy portfolios, 7% (inflation-adjusted) is reasonable based on historical data. Use 5-6% for balanced portfolios, 3-4% for bond-heavy portfolios.
Social Security reduces the income you need from savings. If you expect $20,000/year from Social Security and need $60,000 total, you only need to generate $40,000 from investments.
Early retirement requires larger savings and lower withdrawal rates. Retiring at 40 instead of 65 means 25+ extra years of withdrawals. Use 3-3.5% withdrawal rate for safety.
If you use inflation-adjusted return rates (real returns), the calculation accounts for inflation. A 7% return with 3% inflation is 4% real return.
Subtract guaranteed pension income from your desired annual income. The calculator shows how much additional savings you need to cover the gap.
Generally exclude your primary residence unless you plan to downsize or use reverse mortgage. Include rental properties that generate income.
Review annually or after major life changes. Adjust for salary increases, windfalls, market changes, or shifts in retirement goals.

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