See how close you are to making work optional.

Estimate the portfolio you may need at retirement, how your current savings could grow, and the monthly investment required to close the gap.

Your retirement outlook

Estimated results

Values shown in future dollars at retirement

Estimated amount needed at retirement

The estimated portfolio needed on your retirement date to support monthly, inflation-adjusted withdrawals through your selected life expectancy.

Projected assets at retirement

Based on current savings and contributions.

Estimated funding gap

The difference between projected assets and estimated need.

Additional monthly savings needed beyond your current savings

This is the additional amount needed on top of your current monthly savings. Contributions are assumed to occur at the end of each month.

Funded

Your plan is taking shape.

Adjust the assumptions to see how changes in retirement age, spending, savings, and returns may affect your result.

Path to retirement

Projected portfolio vs. required portfolio

Projected assetsRequired portfolio path

What this estimate assumes

Calculated monthly

First-year income$0

Years to retirement0

Years in retirement0

Ending reserve$0

Current monthly savings$0

Suggested total monthly savings$0

Your post-retirement return is at or below inflation. The calculation remains valid, but the portfolio must work harder because purchasing power is not growing.

The minimum retirement number is the present value, on the retirement date, of monthly withdrawals beginning immediately and increasing with inflation. The model assumes the portfolio reaches the selected reserve amount at life expectancy.

_{Important: This calculator is for estimates and educational use only and should not be considered financial advice. It does not account for taxes, investment fees, Social Security, pensions, healthcare shocks, sequence-of-returns risk, or other income sources. Actual results will vary. Consider working with a financial advisor who specializes in retirement and tax planning.}