Estimate how much you may need for retirement and whether you're on track.
Estimates only. Actual retirement outcomes depend on returns, inflation, taxes, and personal circumstances.
Frequently Asked Questions
How is the retirement target calculated?
It estimates a target fund needed to cover your desired annual income over your retirement years, based on an assumed return.
Does this include Social Security or pensions?
No. This calculator focuses on personal savings and contributions. You can subtract expected pension income from your desired income as an approximation.
Does it account for inflation?
Yes, an inflation rate can be applied to estimate how much income you may need by retirement.
What return rate should I use?
Many people use conservative long-term estimates. Results are sensitive to this assumption, so try multiple scenarios.
What if I’m not on track?
The calculator estimates the monthly contribution needed to reach the target by your retirement age.