Retirement Savings Calculator
Estimate how much you may need to save each year for retirement. Adjust spending, time horizon, and investment assumptions to explore how different inputs affect your estimated savings requirement.
Interactive Tool
Estimated retirement savings requirement
Use the sliders to update your estimated annual savings requirement in real time.
How many years before you plan to stop working.
Total household expenses per year, in today's dollars.
Other expected annual income in retirement, in today's dollars. Enter 0 if unknown.
401(k), IRA, brokerage, and other invested assets combined.
Long-run portfolio growth rate. 6–8% is often used in planning assumptions for a diversified stock/bond mix.
Adjusts your spending target to future dollars. Historical average ~2.5–3%.
- Retirement spending (inflation-adjusted)$122,896/yr
- Net annual draw from portfolio$122,896/yr
- Based on a 4% withdrawal guideline used for estimation only. Actual results vary by individual circumstances.$3,072,406
- Your savings compound to$2,290,369
- Gap to fill with new savings$782,037
Saving $20,142 per year at 6.5% reduces the $782,037 estimated gap in 20 years.
Educational estimate only. Uses a 4% safe withdrawal rate, constant nominal return, and level annual contributions. Does not account for taxes, investment fees, sequence-of-returns risk, or your specific situation. Consult a financial planner before making decisions.