Retirement Calculator

Find out if you're on track for retirement. Calculate how much you need to save each month.

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Balance at Retirement
$3,108,510
Amount Needed (4% Rule)
$4,220,794
Shortfall
$1,112,284
Income Needed (at Retirement)
$168,832/yr
You need to save $1,485/month to meet your retirement goal.
35 years until retirement
20 years in retirement
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Frequently Asked Questions

What is the 4% rule?▾

The 4% rule suggests you can withdraw 4% of your retirement savings in the first year, then adjust for inflation each year, and your money should last at least 30 years. For example, if you need $60,000/year, you'd need $1,500,000 saved.

How much should I save for retirement?▾

Financial advisors often recommend saving 15-20% of your gross income for retirement. However, the right amount depends on your desired retirement lifestyle, expected Social Security benefits, pension income, and when you want to retire.

When should I start saving for retirement?▾

As early as possible. Starting at 25 vs 35 can mean having twice as much at retirement due to compound interest. Even small contributions in your 20s can grow significantly over 40+ years.