Simple Retirement Calculator
A quick, easy way to see if you're on track for retirement. Just enter a few numbers to get your personalized estimate.
Your Details
Projected Savings
$1,434,356
At age 65
Amount Needed
$1,779,568
For 25 years
Shortfall
$345,212
81% funded
Money Lasts To
Age 83
18 years in retirement
Retirement Readiness
You may need to save more or adjust your plan
Total
$1,434,356
Your Contributions
18%$260,000/yr
Investment Growth
82%$1,174,356/yr
Savings Over Time
Accumulation phase and retirement drawdown
What If You Saved More?
| Monthly Savings | At Retirement | Status |
|---|---|---|
| $250/mo | $984,093 | 55% funded |
| $500/mo | $1,434,356 | 81% funded |
| $750/mo | $1,884,620 | 106% funded |
| $1,000/mo | $2,334,884 | 131% funded |
| $1,500/mo | $3,235,411 | 182% funded |
| $2,000/mo | $4,135,938 | 232% funded |
| $2,500/mo | $5,036,466 | 283% funded |
Personalized Insights
Actionable recommendations based on your numbers
Savings Gap
You're projected to have $1,434,356 by age 65, but you need $1,779,568. That's a shortfall of $345,212.
Savings Needed
To close the gap, increase your monthly savings from $500 to $692 (an extra $192/mo).
Inflation-Adjusted Income
Your $50,000/yr income need in today's dollars equals $118,660/yr at age 65 after 2.5% annual inflation.
Money Lasts Until
Your savings are projected to last until age 83 (18 years into retirement). Consider saving more or adjusting your spending target.
Withdrawal Rate
Your first-year withdrawal rate would be 8.3%. This exceeds the 4% rule. Consider reducing expenses or saving more.
The Power of Compounding
Of your $1,434,356 at retirement, $1,174,356 (82%) comes from investment growth -- not your contributions.
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