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Retirement calculator

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Using this retirement calculator, estimate what you need to retire, how much to save, what you could withdraw, and how long a balance can last.

How much do you need to retire?

See the nest egg a retirement income goal calls for, what your current savings path is on track to provide, and what it would take to close the gap.

years
/year

Assumptions

%/year
of current income
%/year
%/year

Optional

/month

Social Security, pension, and similar income, in today's dollars.

of income

How can you save for retirement?

Turn a savings goal into a monthly deposit, a yearly deposit, or a lump sum today.

%/year

How much can you withdraw after retirement?

Project a savings balance to retirement, then estimate a monthly withdrawal that lasts through life expectancy.

/year
/month
%/year
%/year

How long can your money last?

Estimate how long a balance lasts at a fixed monthly withdrawal, and what withdrawal fits common time spans.

/month
%/year

Balances grow once a year, with contributions added at the end of the year. Retirement withdrawals are monthly and can rise with inflation so purchasing power stays level. These figures are estimates for planning, not a forecast of investment returns or a substitute for personal financial advice.