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Retirement Calculator

See your retirement number, the savings it takes and the income it can pay.

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Retirement Calculator

How much you need, how to save and what you can spend

years
years
years
$/ year
% / year
%

Of your pre-retirement income. 70% to 80% is typical.

$/ month

Social Security, pension and so on, in today's dollars.

%
%
$
% of income

You need at retirement

$2,308,715

$896,559 in today's dollars

Projected savings at retirement
$1,098,539
Shortfall
$1,210,176
Extra savings to close the gap
$1,080.17 / month
Or save this share of income
23.4%
First-year retirement spending$52,500 in today's dollars, rising with inflation
$135,192
Years to retirement
32
Years in retirement
23

Assumes a steady 6% return, 3% inflation and withdrawals at the start of each retirement year that rise with inflation. Taxes are not modeled. Estimates for planning only, not financial advice.

Projected balance by age
Balance: from $38,800 to $0.00$0$274.6K$549.3K$823.9K$1.1M364350576471788590
  • Balance
AgeSavedWithdrawnBalance
36$7,000.00$38,800.00
37$7,210.00$48,338.00
38$7,426.30$58,664.58
39$7,649.09$69,833.54
40$7,878.56$81,902.12
41$8,114.92$94,931.16
42$8,358.37$108,985.40
43$8,609.12$124,133.64
44$8,867.39$140,449.05
45$9,133.41$158,009.40
46$9,407.41$176,897.38
47$9,689.64$197,200.86
48$9,980.33$219,013.24
49$10,279.74$242,433.77
50$10,588.13$267,567.93
51$10,905.77$294,527.77
52$11,232.95$323,432.39
53$11,569.93$354,408.26
54$11,917.03$387,589.79
55$12,274.54$423,119.72
56$12,642.78$461,149.68
57$13,022.06$501,840.72
58$13,412.72$545,363.89
59$13,815.11$591,900.83
60$14,229.56$641,644.44
61$14,656.45$694,799.55
62$15,096.14$751,583.66
63$15,549.02$812,227.71
64$16,015.49$876,976.86
65$16,495.96$946,091.43
66$16,990.84$1,019,847.76
67$17,500.56$1,098,539.18
68$135,191.84$1,021,148.18
69$139,247.60$934,814.61
70$143,425.03$838,872.96
71$147,727.78$732,613.89
72$152,159.61$615,281.54
73$156,724.40$486,070.57
74$161,426.13$344,123.10
75$166,268.92$188,525.43
76$171,256.98$18,304.56
77$176,394.69$0.00
78$181,686.53$0.00
79$187,137.13$0.00
80$192,751.24$0.00
81$198,533.78$0.00
82$204,489.80$0.00
83$210,624.49$0.00
84$216,943.22$0.00
85$223,451.52$0.00
86$230,155.07$0.00
87$237,059.72$0.00
88$244,171.51$0.00
89$251,496.65$0.00
90$259,041.55$0.00

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How the retirement calculator works

Your retirement number is the lump sum that can fund your spending for every year of retirement. We take the income you want (a share of your pay at retirement, less Social Security or pension income), let it rise with inflation each year, and discount every year back to your retirement date at your investment return.

Your projected savings grow your current balance and your yearly savings (a share of a rising income) at the same return. The gap between the two is what extra saving has to cover.

The withdrawal tab runs the math the other way: it spends your projected savings down to zero at your life expectancy with inflation-adjusted withdrawals. A 4% first-year withdrawal is a common rule of thumb for a 30-year retirement.

Using and checking your result

Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.

This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.

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Frequently asked questions