Retirement Calculator

Plan your retirement with precision. Calculate accumulation during working years and ensure your savings last throughout retirement.

Current Age

Retirement Age

Current Retirement Savings

Annual Contribution

Expected Annual Return (%)

Historical stock market average: 7-8% for diversified portfolios

Annual Retirement Expenses

Estimate your yearly spending needs in retirement (housing, healthcare, lifestyle)

Advanced Options

Employer Match

Common: 50% match on first 6% of salary. Ask your HR department for details.

Annual Salary

Match %

Limit %

Inflation Rate (%)

Typical: 2.5-3.5%. Your retirement expenses will increase by this rate annually.

Include Social Security

Average benefit in 2026: ~$2,200/month. Claiming at 62 reduces benefits, waiting until 70 increases them.

Life Expectancy

Conservative planning uses 90-95 years. Adjust based on health and family history.

2026 Contribution Limits

401(k): $24,500 (under 50), $32,500 (age 50+), $35,750 (age 60-63). IRA: $7,500 ($8,600 if 50+). Starting early and maximizing employer match can add hundreds of thousands to your retirement savings.

Enter your retirement details and click "Calculate Retirement" to see your plan.