FREE CALCULATOR · NO SIGN IN REQUIRED
Retirement Calculator
See not only what you may have at retirement, but what that money may need to support after inflation and other retirement income.
Retirement readiness model
Model accumulation, inflation adjusted spending, Social Security, other income, and portfolio drawdown in one view.
$
$
$
%
%
%
$
%
$
$
$
Years until retirement0
Projected savings at retirement$0.00
Target first year retirement spending$0.00Inflation adjusted from current spending target.
Estimated annual guaranteed income$0.00Social Security plus other recurring income at the amounts entered.
Estimated annual portfolio need$0.00
4% rule reference balance$0.00A planning reference, not a guarantee.
Projected surplus or gap vs 4% reference$0.00
Estimated years portfolio may last0Simplified constant return model.
2026 401(k) employee limit$24,500Catch up limits may apply based on age.
2026 IRA contribution limit$7,500Eligibility and deductibility rules vary.
Beyond a savings target: retirement readiness depends on spending, inflation, taxes, healthcare, longevity, sequence of returns and guaranteed income. Use this calculator to stress test the plan, not to promise an outcome.
2026 retirement contribution limits shown are based on IRS guidance. Social Security benefits should be entered from your own SSA estimate because benefits depend on your lifetime earnings and claiming age.
Did this calculator help you today?