Find out if you're on track for retirement, how much you'll need to accumulate, and whether your current savings rate gets you there.
Calculate your projected nest egg, how much you need to retire, and whether you're on track — with Social Security offset and inflation adjustment.
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Retirement planning is the most important financial exercise most people never do rigorously. The decisions you make in your 30s and 40s compound dramatically — in either direction — by the time you retire.
The most common rule of thumb is 25x your expected annual expenses from investments — based on the 4% safe withdrawal rate. If you need $80K/year and Social Security covers $24K, you need $56K from your portfolio — requiring roughly $1.4M saved. Your number will vary based on lifestyle, healthcare needs, and other income sources.
Start now — even small amounts matter. Maximize your employer 401(k) match first (it's free money). If you're 50+, use catch-up contribution limits. Consider working a few extra years — each additional year adds savings while removing a year of withdrawal. A financial planner can model these scenarios for your specific situation.
If you expect to be in a higher tax bracket in retirement than today, Roth (pay taxes now) is generally better. If you expect a lower bracket, traditional (defer taxes) is better. Most people benefit from having both — it gives you flexibility to manage taxes in retirement. Under 40 and early career, Roth almost always wins.
At 3% inflation, $100,000 in today's dollars only buys $74,000 worth of goods in 10 years, and $55,000 in 20 years. Your retirement savings need to grow at a rate that outpaces inflation. This is why most financial planners recommend a significant equity allocation even in retirement.
You can start as early as 62 (at a reduced benefit) or delay until 70 (at a significantly higher benefit). Each year you delay past full retirement age increases your monthly benefit by 8%. If you're in good health with other income sources, delaying until 70 is often the highest-value decision — it's guaranteed longevity insurance.