Retirement Needs Calculator

Estimate whether your savings and contributions may be enough to support your target retirement spending — or how much more you may need to save.

Free Retirement Planning Tool

Start with your situation

Enter what you know today. We'll fill in planning assumptions you can adjust after you see the estimate.

Current agePlanned retirement agePlan through ageThe age through which your retirement savings should last.Current retirement savings ($)Your monthly contribution ($)Your monthly 401(k), IRA, or other retirement savings contribution.Employer monthly contribution ($)Employer match or contribution. Enter $0 if none.Current annual household spending ($)Total annual spending today — housing, food, transportation, healthcare, everything.Retirement spending (% of current)Many people target 70% to 85% of pre-retirement spending.Estimated monthly Social Security ($)Use your personalized estimate from ssa.gov/myaccount for the age you plan to claim. Enter $0 if you don't expect Social Security.Social Security claiming ageThis can differ from your retirement age. If you retire before you claim, your portfolio covers those years alone.Annual pension or other dependable income ($)Annual pension, annuity, or other reliable retirement income starting at retirement. Enter $0 if none.

Retirement Needs Calculator

Start with your situation

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