Retirement Calculator
Am I saving enough to retire?
Compare where your savings are heading with what you will actually need — adjusted for inflation — and see how much more you would need to save each month to close any gap.
How this calculator works
Your savings and contributions grow at the expected return until retirement. Your desired income is increased by inflation to retirement, then divided by the withdrawal rate to estimate the nest egg needed (for example, 4% means 25× yearly income).
Frequently asked questions
What is the 4% rule?
A guideline suggesting you can withdraw about 4% of your portfolio in the first year of retirement, adjusting for inflation after that, with a reasonable chance of the money lasting around 30 years. It is a rule of thumb, not a guarantee.
Does this include pensions or social security?
No. Subtract any expected pension or government benefit from your desired income before entering it.
Learn more
Results are estimates based on the numbers you enter and simplified assumptions. They are not financial advice. See our disclaimer.