Free retirement planning tool
Estimate how much you may need to save, when retirement could be possible, or how long your savings may last. Your inputs stay in your browser.
How it works
The calculator projects retirement savings year by year from the values you enter. It separates the saving years from the retirement years, applies your selected investment return assumptions, adjusts for inflation, and compares projected savings against the spending target. The model uses annual projection steps rather than monthly compounding.
For the target savings goal, the calculator estimates the savings needed at retirement to support your annual spending for the number of retirement years you enter. It then compares that target with projected savings from your current balance and monthly contributions.
For the retirement age goal, the calculator tests each possible retirement age after your current age. The first age where projected savings can support the planned retirement spending is shown as the estimated retirement age.
For the savings longevity goal, the calculator projects savings to your planned retirement age, then subtracts inflation-adjusted withdrawals each year while applying the retirement return assumption.
Future-dollar values estimate the dollar amount in the year you may need it, after applying inflation. The calculator also adjusts investment returns for inflation when estimating how much retirement spending a savings balance may support.
Current age is treated as the starting point today. The first projection row covers the next full year. For example, an input age of 35 shows projection year 1 as age 35 to 36, and that row includes the next twelve months of contributions, inflation adjustment, and investment growth. Inflation is applied as an annual assumption using whole-year steps, not monthly timing.
These estimates do not include taxes, account contribution limits, market volatility, fees, Social Security benefits, pensions, required minimum distributions, or region-specific retirement rules. Treat the output as an educational estimate, not financial, tax, legal, or investment advice.
FAQ
It estimates savings targets, possible retirement age, and how long savings may last based on the inputs and assumptions you provide. The results are educational estimates, not a personal financial plan.
No. Your calculator inputs stay in your browser. The calculator does not save your entries or send them to a server.
Future-dollar values estimate the amount in the year you may need it, after inflation is applied. This makes the savings target and projected balances line up with the year when they are expected to be used.
No. This calculator does not estimate taxes, Social Security, pensions, required minimum distributions, fees, or account contribution limits. Those rules vary by person and location.
Treat the output as a planning estimate for comparing scenarios. Small changes in returns, inflation, retirement age, or spending can materially change the projection.
Retirement guides
Use these guides to understand the assumptions behind the calculator and prepare better retirement planning scenarios.
Sources
These references provide useful background for compound growth, Social Security estimates, and retirement-account rules. The calculator does not pull live values from these sources or provide personalized advice.