Retirement Savings Calculator
See if you're saving enough for retirement. Get a personalized projection based on your savings, contributions, and goals — with milestones, gap analysis, and actionable recommendations.
Personal Details
Savings & Contributions
Investment Returns
Retirement Goal
Retirement Savings Score
You're on track to meet your retirement savings goal. Keep it up!
Projected Savings
$1,504,243
Goal
$710,000
Projected at Retirement
$1,504,243
age 65
Surplus
$794,243
above goal
Savings Rate
10.4%
$7,800/year
Money Lasts
60 years
to age 125
Savings Growth Projection
Your retirement savings trajectory vs. your goal
What's Building Your Savings
Your contributions + employer match vs. investment growth over time
Savings Composition at Retirement
Where your retirement savings came from
Total
$1,504,243
Starting Balance
2%$30,000/yr
Your Contributions
14%$216,000/yr
Employer Match
4%$64,800/yr
Investment Growth
79%$1,193,443/yr
Savings Milestones
When you'll hit key savings targets
$100K
Age 35 (30 years before retirement)
$250K
Age 43 (22 years before retirement)
$500K
Age 51 (14 years before retirement)
$750K
Age 56 (9 years before retirement)
$1M
Age 60 (5 years before retirement)
Year-by-Year Breakdown
Detailed savings projections for every year
| Age | Salary | Contribution | Match | Growth | Balance | Rate |
|---|---|---|---|---|---|---|
| 30 | $75,000 | $6,000 | $1,800 | $2,100 | $39,900 | 10.4% |
| 35 | $86,946 | $6,000 | $1,800 | $6,085 | $100,818 | 9% |
| 40 | $100,794 | $6,000 | $1,800 | $11,675 | $186,258 | 7.7% |
| 45 | $116,848 | $6,000 | $1,800 | $19,514 | $306,092 | 6.7% |
| 50 | $135,458 | $6,000 | $1,800 | $30,510 | $474,165 | 5.8% |
| 55 | $157,033 | $6,000 | $1,800 | $45,932 | $709,897 | 5% |
| 60 | $182,045 | $6,000 | $1,800 | $67,561 | $1,040,523 | 4.3% |
| 65 | $211,040 | $6,000 | $1,800 | $97,898 | $1,504,243 | 3.7% |
Personalized Insights
Actionable recommendations based on your numbers
You're on track — $794,243 above your goal
Your projected savings of $1,504,243 exceeds your $710,000 goal by age 65. You have a comfortable cushion.
Savings rate: 10.4% — consider increasing
You're saving 10.4% of income. Bumping to 15% would add an extra $3,750/year to your retirement savings.
Your money grew 5.25x
Compound growth turned your contributions into 5.25x their value. This is the power of starting early and staying invested.
Employer match adds $64,800 over your career
Your employer contributes $1,800/year in matching. That's free money — make sure you're contributing enough to get the full match.
Below the age-30 savings benchmark
The guideline is 1x your salary ($75,000) saved by age 30. You have $30,000. Don't worry — consistent saving and compound growth can close this gap.
Your savings can last to age 125+
Based on your withdrawal needs and Social Security/pension income, your savings are projected to last well through your life expectancy of 90.
Sustainable income: $81,770/year
At a 4% withdrawal rate, your savings can provide $60,170/year. Combined with Social Security and pension, that's $81,770/year (109% of current income).
The power of $50 more per month
Adding just $50/month to your savings would grow to ~$1,080,633 by retirement. Small increases compound into significant amounts over 35 years.
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