Retirement Readiness Calculator

This isn't just a compound-interest calculator. It's built to answer a more useful question: based on your current path, are you moving toward a retirement you can actually sustain? We'll show you under conservative, moderate, and optimistic assumptions, not a single false promise of a number.

1About You

The basics we need to project your timeline.

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Before taxes; used to estimate your savings rate and a spending target

2Current Savings & Contributions

What you've already saved, and what's going in every month.

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Total across 401(k), IRA, and similar accounts
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Check a recent 401(k) statement, or estimate it from your plan's match formula

3Other Retirement Income

Income you expect on top of your own savings, in today's dollars.

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Monthly. Get a real estimate at ssa.gov/myaccount
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Monthly. Rental income, part-time work, annuities, etc.

4Your Retirement Goal

What you'd like to be able to spend each month in retirement, in today's dollars.

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Leave blank and we'll estimate using a common 75% income-replacement guideline

5Assumptions

Every projection depends on assumptions. We'll test a range around these, not just one number.

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A common long-term assumption for a diversified portfolio is roughly 6-8%; adjust for your own mix
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Long-run U.S. inflation has averaged roughly 3%

This tool provides general educational estimates only. It is not a guarantee of future results and isn't personalized investment advice. Read our full disclaimer →

Your Retirement Readiness

Fill in your numbers above, then select "Calculate My Retirement Readiness" to see your projection.