Retirement Calculator
See whether your savings are on track for retirement and how much you need.
Enter your values to see the result.
Results are estimates for planning only. Actual figures depend on your lender or bank, fees, rounding and the exact dates used, so confirm the numbers before you sign anything.
Continue your work
- 401(k) Calculator — Project your workplace plan.
- Roth IRA Calculator — Model tax-free savings.
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Clear instructions
Find steps, examples and limitations below.
Use online
Open the tool in a supported web browser.
Free to use
No sign-up required. Tool-specific limits may apply.
How to use the Retirement Calculator
See whether your savings are on track for retirement and how much you need.
- 1 Enter your age, retirement age and the age to plan until.
- 2 Enter your savings, monthly saving, income needed and expected returns.
- 3 Read the projection, any shortfall and the extra monthly saving needed.
Example and practical tips
Saving 600 a month from 30 to 65 may not reach the nest egg needed for 40,000 a year in today’s money; the calculator shows how much more to save.
Frequently asked questions
Why is the income adjusted for inflation?
Prices rise, so the same lifestyle costs more by the time you retire.
Should I include pensions?
Subtract expected pensions or social security from the income you need from savings.
Report an issue
Something broken or not quite right? Tell us and we will look into it.