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Free tool · Retirement

Planning for Retirement? Start Here

See whether your savings are on track, how long they could last, and what would close a gap. Everything updates as you type, and nothing you enter leaves this page.

About you

Planning longer than you expect to live gives you a cushion.

Income and savings

$
$
401(k)s, IRAs and other accounts set aside for retirement.
%
of income
%
of income

Retirement income

%
Pick what fits your plans. A paid-off home may mean you need less; travel or other big goals may mean you need more.
$
Example amount. Get your personal estimate at ssa.gov/myaccount.
$
Assumptions you can change
%
%
%
Your income and savings are assumed to rise with inflation each year.
These are hypothetical rates for illustration, not predictions. Real returns go up and down and can be negative.

Projected savings at retirement
Estimated amount needed
Savings last until about

Savings balance by age

In today's dollars, so amounts are comparable to what things cost now.

Line chart of projected savings by age.

What could change the picture

    Show year-by-year table
    AgeAddedWithdrawnBalance (today's $)
    How this estimate works

    What the numbers mean

    • Projected savings grows your current savings and yearly contributions at the "return before retiring" rate. Contributions rise with your income each year.
    • Amount needed is what it would take, at retirement, to pay the income you want for every year of your plan, after Social Security and any pension. Withdrawals rise with inflation.
    • Savings last until follows the balance year by year after you retire, using the "return in retirement" rate.

    It doesn't include taxes, investment fees, market ups and downs, or changes to Social Security. Treat it as a starting point for a conversation, not a plan.

    Important: hypothetical illustration

    This tool is for education only. Its projections are hypothetical, do not reflect actual investment results, and are not guarantees of future results. Results will vary with each use and over time as your inputs and assumptions change. It does not recommend any investment, product or strategy.

    Want a second set of eyes on your plan?

    A short conversation can help you test your assumptions and see which questions matter most for your situation.

    Book a time with Kevin Educational conversation only. Any recommendations would come after a full review of your situation.
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