Retirement Calculator

Find out if you'll have enough to retire comfortably. See your projected savings at retirement.

Current age

yrs

Retirement age

yrs

Current retirement savings

Monthly contribution 401k + IRA + other

Expected annual return

Desired annual income in retirement

Expected Social Security monthly benefit

Projected savings at retirement

at age 65

Amount needed

Surplus / shortfall

Monthly income (4% rule)

Years of savings (25x rule)

The 4% rule

A common retirement guideline: withdraw 4% of your savings per year and your money should last 30 years. To retire on $60,000/year, you need $1.5 million saved (60,000 ÷ 0.04).

2026 contribution limits

401(k): $23,500/year
IRA: $7,000/year
Catch-up (50+): +$7,500 for 401k
HSA (family): $8,300/year

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Are you on track for retirement?

The earlier you start saving, the easier retirement becomes. Thanks to compound growth, someone who starts saving at 25 needs to contribute far less each month than someone who starts at 45 to reach the same goal. Time is the most powerful tool in retirement planning.

How much do you actually need?

The most common rule is the 25x rule — save 25 times your expected annual expenses. If you plan to spend $60,000/year in retirement, aim for $1.5 million. This is based on the 4% safe withdrawal rate established by the Trinity Study.

Don't forget inflation

A dollar today buys less in 20 years. At 3% inflation, $60,000 today will require about $108,000 to maintain the same purchasing power in 20 years. Factor inflation into your retirement income needs.

For informational and educational purposes only. Projections are estimates based on assumed rates of return. Not financial advice. Consult a certified financial planner for personalized retirement planning.