Retirement Savings Calculator.

Since everyone’s retirement needs are different, the following calculator can help estimate how much money you will need to maintain your desired lifestyle based on your age, retirement date, savings rate, and a variety of other important factors.

My Information

Age Inputs

The age you are as of today.
The age at which you would like to retire.

Savings Inputs

The total amount in your IRAs, 401(k), SEPs, and any other retirement accounts you may have.
Enter the total amount you save each year for retirement.
Enter the estimated return rate for any investment vehicle (e.g., treasury bills, bonds, stocks, or funds) between -12% and 12%; the average rate of return is 5%.

Income Inputs

The total amount of money you earn in a year.
The total amount of money your partner makes in a year.
Enter how many years you need income after you retire (Males reaching retirement age can expect to live to age 85; women reaching retirement age can expect to live to 87;
The percentage of your current income that you will need in retirement (usually 70% because major expenses like a home may not be as costly in retirement; this figure does not include savings or Social Security benefits).


Enter your information in the boxes below, then click the calculator button to see your results.

TIP: If you aren’t sure what or how much to enter, just click on the information icon for further guidance.


Results: 0

Congratulations! It appears that you have saved enough to meet your goal. In fact, it appears that at age 00 you will still have 0 in your retirement accounts.

View calculation output as: Chart Data Table
Enter inputs on the left.


The results are hypothetical and do not represent the performance of any particular investment. Actual results will be more or less favorable. Retirement Savings indicate the amount saved until retirement and assumes baseline income and savings increases of 2% and 1%, respectively, and a hypothetical annual investment return rate of 5% (Motley Fool, November 2015 []). Retirement Withdrawals indicate the annual deduction of retirement savings, adjusted by the anticipated Social Security benefit and 2% inflation (U.S. Bureau of Labor Statistics []). This assumes no withdrawals during the savings period and doesn’t take into consideration any taxes.

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Now that you’ve seen the numbers for yourself, it’s often best to consult a financial professional who can help further assess your needs and find a solution that works for you.

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