How to Use This Retirement Calculator
Our free retirement calculator gives you accurate estimates in seconds. Enter your numbers above and hit Calculate — results update instantly.
All calculations use current 2026 rates and formulas. Results are estimates to help you plan — always verify with a licensed professional for final numbers.
Frequently Asked Questions
How much do I need to retire?
A common rule is to save 25x your annual expenses (the 4% rule). If you spend 0,000/year, you need .25 million. Your actual number depends on retirement age, lifestyle, Social Security, and investment returns.
What is the 4% rule for retirement?
The 4% rule says you can withdraw 4% of your retirement savings each year without running out of money over 30 years. It is based on historical stock and bond market returns.
How much should I save for retirement each month?
Most financial advisors suggest saving 15% of your income for retirement. If starting late, you may need to save more. Use this calculator to find your specific monthly savings target.
At what age should I start saving for retirement?
The earlier the better due to compound interest. Starting at 25 vs 35 can double your retirement savings. Even small amounts invested early grow significantly over 30-40 years.
What is a good retirement income?
Most financial planners suggest replacing 70-80% of pre-retirement income. If you earned $80,000/year, aim for $56,000-64,000/year in retirement from all sources including Social Security, pensions, and savings.