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 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 (%)

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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. 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.