Retirement Savings Calculator

Start with what you have saved, add a set amount each month until you retire, then see the monthly spending your savings can cover and whether anything is left.

Building your savings Account type

Saved today ($) Add each month ($) Years until retirement

Raise contributions with inflation

Retirement Years the money must last Other monthly income in retirement, in today's dollars ($)Social Security, pension, etc. Assumed to start at retirement and rise with inflation. Spending to test per month, in today's dollars ($). Leave 0 to test the maximum.

Estimates

Return before retirement (% per year) Return in retirement (% per year) Inflation (% per year) Income tax on withdrawals (%)

–

Your savings over time, in today's dollars

Constant-rate scenario math, not a forecast or advice. Real returns vary year to year, so real results can differ a lot. Contributions go in at the start of each month. Withdrawals come out on the same schedule and rise with inflation. Other income (if any) also rises with inflation and reduces how much you need from savings. Tax is a single flat rate you choose: on the whole withdrawal for a traditional account, on the gain above your average cost basis for a taxable account, and none for a Roth. Early-withdrawal penalties and required minimum distributions are not modeled.