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.

Retirement Guides

How Much Do I Need to Retire?

The 4% rule, Fidelity benchmarks, and retirement targets by salary and age.

Read guide

How Much Should I Save Per Month?

The 15% rule, contribution tables by age, and how to calculate your required savings.

Read guide

Retirement Withdrawals & Income

Safe withdrawal rates, how long savings last, and building a retirement income plan.

Read guide

Early Retirement & FIRE Guide

Can you retire at 55 with $800K? FIRE strategies, costs of retiring early, and more.

Read guide

Inflation & Retirement Risks

How inflation erodes savings, healthcare cost projections, and sequence-of-returns risk.

Read guide