Retirement Savings Calculator
Plan your retirement with confidence. Enter your savings, contributions, and spending goals to see whether your nest egg will last through retirement — and exactly how much you need to save to close any gap.
A 30-year-old saving $500/month with a 50% employer match, $20,000 already saved, earning 8% returns could accumulate approximately $2,046,263 by age 65. With $3,000/month spending and $1,500 in Social Security benefits, that nest egg could last well past age 90.
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Plan your path to retirementResults
Your retirement projectionEnter your retirement parameters and click calculate to see your projection.
Frequently Asked Questions
Key concepts for retirement planning
How much do I need to retire?
A widely used guideline is the 4% rule: you can safely withdraw 4% of your portfolio each year without running out of money over a 30-year retirement. To find your target nest egg, multiply your desired annual spending by 25.
For example, if you need $48,000 per year ($4,000/month), you'd need roughly $1,200,000 saved. If you have guaranteed income like Social Security or a pension, subtract that from your annual spending before multiplying. The 4% rule isn't perfect for everyone, but it's a solid starting point.
What is an employer match and why does it matter?
An employer match is essentially free money added to your retirement account. If your employer offers a 50% match, they contribute $0.50 for every $1.00 you put in. If you save $500/month, your employer adds $250, giving you $750/month in total contributions.
Not maximizing your employer match is like turning down a guaranteed 50% return on your money. Be aware of vesting schedules — some companies require you to stay for a certain number of years before the matched funds are fully yours. Always contribute at least enough to capture the full match.
Your Privacy is Protected
All calculations run entirely in your browser. We never collect, store, or transmit any data you enter into this calculator. There are no APIs, no server requests, and no logs — your financial information stays on your device and disappears when you close the page.