Check if youre on track for retirement. Project your 401k, IRA, and Social Security with personalized assumptions.
Retirement planning starts with one number: how much annual income you will need, then works backward to the nest egg that produces it. A common rule of thumb is the 4% rule — you can usually withdraw 4% of a diversified portfolio each year without running out — which implies you need about 25× your annual spending saved. If you are in your 30s, time and compound growth are your biggest assets, so small consistent contributions now matter far more than later catch-up savings.
Rule: The 4% rule estimates safe initial annual withdrawal ≈ 4% of your nest egg. Required nest egg = annual retirement spending × 25.
Example: Want $40,000/year → Nest egg ≈ $40,000 × 25 = $1,000,000. To reach $1,000,000 in 30 years, monthly savings (approx) depends on return; use the calculator for exact projection.
Enter your information to see if you're on track for a comfortable retirement
Financial experts recommend 70-80% of pre-retirement income for a comfortable lifestyle.
Multiply your desired annual income by 25 to estimate your total retirement need.
Inflation erodes purchasing power, so your retirement income needs grow over time.
Type your current age and the age you plan to retire. The longer the runway, the more compounding helps.
Type your current 401(k), IRA, and other retirement balances, plus how much you save each month. Include any employer match.
Set an average annual return (5-8% is typical for diversified portfolios) and your target annual income in retirement. The calculator projects whether youre on track.
For related calculations, try our investment calculator.
Cross-checked against authoritative formulas (IRS, NIST, ACM) and updated for 2025/2026 tax years and rates.
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Estimates only. Calculator results are for educational and planning purposes — not professional advice. For binding decisions on taxes, investments, health, or legal matters, consult a qualified professional.
FAQ
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The 4% rule says you need 25x your annual expenses saved to retire. If you spend $40,000 per year, you need $1,000,000. Our retirement calculator uses this rule plus your expected Social Security, pension, and other income. The retirement calculator shows whether you are on track and how much to save monthly to close any gap.
How it works
Our retirement calculator lets you project how much you will have at retirement and whether it covers your expected expenses in five steps.
Type how old you are now and the age you plan to retire. The time between them is your investment horizon.
Type how much you have already saved and how much you contribute each year across all retirement accounts.
Type the annual return you expect from your investments, and the inflation rate. A common assumption is 7% return and 3% inflation.
Type the annual income you want in retirement, in today's dollars. The calculator inflates this to your retirement year.
The result shows your projected balance at retirement, the income it can sustainably produce, and whether you are on track.
Learn how much you need for retirement using the 4% rule, inflation adjustments, and Social Security estimates.
Learn how compound interest works and why it's critical for building retirement wealth.
Understand how the time value of money principle shapes retirement planning.