Free tool

Retirement calculator

A simple way to see how much you might need to keep living the way you do today, and whether you're on track. Everything updates as you type.

Your numbers stay private. Everything is calculated on your own device, and nothing you enter is saved or sent anywhere.

Your details

Use today's dollars. The calculator adds inflation for you.

Timeline

Your age

Retirement age

Lifestyle

Monthly living expenses

What your current lifestyle costs each month: housing, food, bills, travel, and so on.

Savings

Current retirement savings

Monthly contribution

Adjust the assumptions

Yearly increase in contributions

e.g. from raises

Inflation

Long-term US average is about 3%

Investment return before retirement

Investment return during retirement

Usually lower, as investments get more conservative

Emergency & unexpected costs cushion

Extra on top for health costs, repairs and surprises

Plan for savings to last until age

Other monthly retirement income

Social Security, pension, rental income, in today's dollars. Leave at 0 if unsure.

You'll need about

at retirement

Years to retirement0

On track to have$0at your retirement age

Monthly expenses then$0after inflation

Gap$0

Progress toward your goal

This calculator gives a simplified estimate for educational purposes only and isn't financial advice. Results depend on the assumptions above, and real returns, inflation and expenses will vary. Consider talking with a qualified financial professional about your own situation.