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.

Current age

Target retirement age

Life expectancy planning age

Current retirement savings

Monthly contribution

Employer monthly contribution

Expected annual return before retirement

Expected annual return in retirement

Expected annual inflation

Current monthly living expenses

Retirement spending target

Expected monthly Social Security at claim age

Social Security claim age

Other monthly retirement income

One time retirement expense reserve

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?

How to use this calculator

Using the calculator

Enter Current age, Target retirement age, Life expectancy planning age, Current retirement savings, and the other fields shown. See not only what you may have at retirement, but what that money may need to support after inflation and other retirement income.

Reading the result

The result shows see not only what you may have at retirement, but what that money may need to support after inflation and other retirement income.

Results are estimates based on the values entered. Review the Methodology and Calculator Disclaimer for important limitations.