Retirement Savings Calculator

Plan your retirement by calculating how much you need to save and projecting your retirement savings growth over time.

Try Example Scenario:

Current Information

Current Age

Retirement Age

Current Savings ($)

Monthly Contribution ($)

Investment Assumptions

Annual Return (%)

Inflation Rate (%)

Retirement Income ($)

Investment Return (%)

Retirement Planning Guide

Planning for retirement is one of the most important financial decisions you'll make. Our calculator helps you understand if you're on track.

Key Factors

Start early: Benefit from compound growth
Inflation: Consider its impact on purchasing power
Healthcare: Account for costs in retirement
Diversify: Spread investments for better returns

Retirement Rules of Thumb

15% rule: Save 15% of your income for retirement
25x rule: Have 25x your annual expenses saved
4% rule: Sustainable withdrawal rate for income
Social Security: Replaces ~40% of pre-retirement income

Future Value Formula

FV = PV × (1 + r)ⁿ + PMT × [((1 + r)ⁿ - 1) / r]

Where: FV = Future Value, PV = Present Value, PMT = Monthly Payment, r = Monthly interest rate, n = Number of periods

Pro Tips

401(k) match: Take advantage of employer matches
Roth IRA: Consider for tax-free growth
Raises: Increase contributions when you get raises
Review: Adjust your plan annually

Retirement Summary

                                    Projected Savings at Retirement:
                                    $0
                                

                                    In today's dollars:
                                    $0
                                    (inflation-adjusted)
                                

Years to Retirement: 0

Annual Retirement Income Available: $0

Retirement Savings Status: --

Savings Gap: $0

Retirement Analysis

Complete the form above to see your detailed retirement analysis.