Retirement Calculator
Calculate how much you need to save for retirement based on your current age, desired retirement age, and income goals. Plan for a secure financial future.
Retirement Savings Estimator
Retirement Nest Egg Needed
At retirement age
total savings needed
Monthly Income in Retirement
Frequently Asked Questions
How much do I need to save for retirement?
A common rule of thumb is 10-12 times your annual income by age 65. Actual needs depend on lifestyle, healthcare costs, and life expectancy.
What is the 4% rule?
The 4% rule suggests withdrawing 4% of your portfolio annually (adjusted for inflation) to avoid running out of money for 30 years.
When should I start saving?
The earlier you start, the more compound interest works for you. Ideally, start in your 20s and save 10-15% of income.
What retirement accounts should I use?
Max out 401(k) matches first, then Roth IRA for tax-free growth, then maximize 401(k). HSAs are also valuable retirement vehicles.
How does Social Security factor in?
Social Security typically replaces 40-60% of pre-retirement income. However, benefits may change, so don't rely solely on them.
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* Estimate only. Actual policy cost depends on individual qualifications and carrier rules.