Retirement Calculator
Calculate how much you need to retire comfortably. Input your current savings, a...Calculate how much you need to retire comfortably. Input your current savings, age, retirement goals, and expected expenses to see if you're on track....
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Retirement Calculator Features
Plan your retirement with confidence
Why Use Retirement Calculator?
Clear Retirement Target
Know exactly how much you need to retire. See your target number based on desired income and safe withdrawal rates.
Track Progress
See if your current savings rate puts you on track. Identify gaps early while you have time to adjust.
Timeline Flexibility
Explore different retirement ages. See how retiring early or late affects your required savings.
Stress Test Scenarios
Test different return rates and withdrawal percentages. Plan for both optimistic and conservative scenarios.
Common Use Cases
Retirement planning for every situation
Retirement Readiness Check
Are you on track? See if your current savings rate will get you to your retirement goal on time.
FIRE Planning
Planning Financial Independence, Retire Early? Calculate your FIRE number and timeline.
Retirement Age Exploration
What if you retire at 55 instead of 65? See how different retirement ages affect your required savings.
Catch-Up Planning
Started saving late? Calculate how much extra you need to contribute to catch up.
How It Works
Enter Current Status
Input your age, current retirement savings, and monthly contribution amount.
Set Retirement Goals
Choose your desired retirement age and annual income you want in retirement.
Adjust Assumptions
Set expected return rate and safe withdrawal rate based on your risk tolerance.
Review Your Plan
See if you're on track, your projected balance at retirement, and years your money should last.
Pro Tips for Retirement Planning
Know Your Number
Your retirement number is typically 25x your annual expenses. This gives you a clear savings target to work toward.
Build in Safety Margin
Plan for more than you think you need. Healthcare costs increase with age, and unexpected expenses happen.
Plan for Sequence Risk
Market crashes early in retirement are more damaging than later ones. Having 2-3 years of expenses in cash provides buffer.
Consider Healthcare
Healthcare before Medicare (age 65) is expensive. Factor in $500-1500/month for health insurance if retiring early.
Frequently Asked Questions
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