Retirement Savings Calculator
Enter your current age, savings, monthly contributions, and expected return rate to see if you are on track for retirement. Shows projected nest egg at 65, monthly income in retirement, and whether you have a savings gap.
How it works
This retirement savings calculator runs entirely in your browser — no data is sent to any server. Simply fill in the fields above and the result updates instantly. You can copy the output with the copy button provided.
Frequently Asked Questions
How much should I have saved for retirement by age?
Fidelity's rule of thumb: 1× salary by 30, 3× by 40, 6× by 50, 8× by 60, and 10× by 67. So if you earn $60,000, you should have $600,000 saved by age 67. These are guidelines — your actual number depends on your desired lifestyle in retirement.
What is the 4% rule for retirement?
The 4% rule suggests you can safely withdraw 4% of your retirement portfolio each year without running out of money over a 30-year retirement. So if you need $50,000/year, you need $1.25M saved ($50,000 ÷ 0.04).
What rate of return should I use?
The S&P 500 has historically returned ~7% annually after inflation. For a conservative estimate use 5–6%; for an optimistic projection use 8–10%. The calculator uses 7% as the default.
What if I start saving late?
Starting later means you need to save more aggressively. Use this calculator to find the monthly contribution required to reach your target. The key levers are increasing contributions, delaying retirement by a few years, or reducing expected retirement spending.
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