Retirement Calculator: Are You Saving Enough?

Estimate your nest egg at retirement, how much you actually need for the income you want, and the monthly saving that closes the gap.

Projected savings at retirement–
Savings you need–
On track–
Monthly saving needed–

All figures are in today’s dollars, so enter an inflation-adjusted (real) return. Results are estimates, not guarantees.

How it works

The calculator subtracts expected Social Security or pension income from the income you want, divides the remaining annual need by your withdrawal rate to find your target, and projects your savings at the return you enter.

Behind? Small changes help

Increasing contributions, capturing the full employer match and working a few extra years all make a large difference. Learn more in how much you need to retire.

Frequently Asked Questions

What is the 4% rule?

It suggests withdrawing 4% of your portfolio in the first year of retirement, then adjusting for inflation. Historically, that has lasted about 30 years for balanced US portfolios — but it is not guaranteed.

Why use a real return?

Using an inflation-adjusted return keeps every figure in today’s dollars, so the results are easier to compare with your current lifestyle.

Should I include my employer match?

Yes — add your contribution plus any employer match to the monthly contribution field.

This content is for general information only and is not investment advice. Consider your own situation and consult a licensed professional before making financial decisions.