Retirement Calculator

Estimate the savings required to support a retirement spending goal over a selected timeline.

Method and required inputs

Use current balances, contributions, retirement age, spending, inflation, and return assumptions. Include taxes, fees, healthcare, and more than one market scenario before relying on the result.

The projection connects current savings, ongoing contributions, time until retirement, estimated returns, inflation, retirement spending, and a withdrawal assumption. Keep all amounts either nominal or expressed in today's purchasing power so inflation is not counted inconsistently.

Read the complete result

Review how much of the result comes from contributions versus assumed market growth. Include employer contributions only when eligibility and vesting support them. Model taxable, tax-deferred, and tax-free accounts separately when their withdrawal treatment would materially change spendable income.

Run a stress case

Run poor early-return, higher-inflation, longer-life, and higher-healthcare cases. A plan that works only at one average return can fail when losses arrive near retirement or withdrawals begin during a downturn.

Limits and verification

The tool does not determine investment suitability, Social Security benefits, pension elections, required minimum distributions, taxes, fees, Medicare costs, or estate needs. Use it to identify planning gaps, then verify the full plan with current program rules and qualified professionals.

This calculator is educational, not a quote, approval, guarantee, tax opinion, or individualized recommendation. Confirm material figures, current rules, and actual product terms before acting.

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