CalculatingWealth
Live calculator

Retirement Calculator

See if you're on track to retire comfortably with custom assumptions.

Calculator

$
$
%
$
Projected nest egg
$1,368,286.56
Years to retirement
35
Target (4% rule)
$1,500,000.00
Shortfall
$131,713.44
Sustainable annual income
$54,731.46

Uses the 4% safe-withdrawal rule for the target nest egg.

What's next?

Refine your numbers, compare options, or explore the next step in your plan.

Save & track in your dashboard
Explore related tools
Investment CalculatorSavings CalculatorInterest Calculator

Tip: sign in to save unlimited scenarios and track your plans over time — free.

AI financial insights

Personalized, plain-English guidance generated from your numbers.

Unlimited generations — free

What this means for your plan

Plain-English trade-offs to help you decide with confidence.

  • Consistency over perfection

    A modest, consistent monthly contribution typically outperforms larger, irregular ones. Set it and protect it.

Your planning path

A guided sequence so each tool builds on the last.

0/4 steps
  1. Step 1
    Savings rate
    Build the base of your plan.
    Open
  2. Step 2
    Investment growth
    Project compounding over time.
    Open
  3. Step 3
    Retirement target
    Translate growth into a finish line.
    You are here
  4. Step 4
    Tax efficiency
    Keep more of every gain.
    Open

Learn the why behind your result

Short, plain-English lessons related to this calculation.

5 min lesson

How Compound Growth Builds Wealth

Why time in the market beats timing the market — illustrated simply.

Read
6 min lesson

Retirement Savings Strategies

A simple priority order: match, high-interest debt, Roth, taxable.

Read
5 min lesson

Investing Basics: Why Index Funds Win

The boring strategy that beats most professionals over time.

Read
Browse the full education hub →Or follow a guided pathway
Educational resources

Helpful financial resources

Tools that may support the planning behind your retirement calculator — picked for context, not promotion.

  • Retirement Account ProviderPartnerTax-advantaged retirement accounts (IRA / Roth IRA).Educational fit if you're starting or rolling over a retirement account.
  • Long-Term Investing PlatformPartnerBrokerage focused on low-cost index investing.Educational fit if you're building a long-horizon retirement or wealth portfolio.

Some resources are partner links that may support the platform at no extra cost to you. All recommendations are educational in nature. Learn how we choose them.

Track this over time
Get a quiet nudge to revisit and compare updated numbers.

Recommended next steps

Tools that pair naturally with this calculation.

Investment Calculator
Project portfolio growth with contributions, returns and time.
Savings Calculator
Forecast how your savings grow with regular deposits.
Interest Calculator
Compare simple vs compound interest over any time horizon.

Compare scenarios

See how different terms, rates, or contributions change the outcome — side by side.

Add a scenario to compare it against your current inputs.

How it works

The retirement calculator uses a standard formula refined for clarity and precision. Results update live as you change any input — try different scenarios to see how sensitive the answer is to each assumption.

Tips for accurate results

  • Use realistic, current values — don't round aggressively for inputs that matter.
  • Compare a few scenarios to see how sensitive the result is to your assumptions.
  • Save your results so you can track changes over time as your situation evolves.

Frequently asked questions