Calculate your retirement number, when you'll hit it and how long your money will last
To use this tool you must first agree to the disclaimers.
Add each person in your household so we can track everyone's journey to retirement together.
💡 Privacy tip: Consider using first names or nicknames only, especially if you plan to share your retirement plan with others.
Enter your monthly or annual expenses. We'll calculate your retirement goal using the proven 4% Rule—a widely trusted approach that helps ensure your money lasts throughout retirement.
Tell us who's saving for retirement, how much you've already saved, and how much you're adding each year.
Most people invest more aggressively while working (higher growth) and more conservatively in retirement (lower, safer growth). The defaults shown below reflect typical investment strategies.
If you expect to receive Social Security benefits, add them here to see how they boost your retirement plan. Not sure? You can skip this step.
Review your personalized retirement timeline
Explore these additional resources to strengthen your retirement plan
Determine how much cash you should keep liquid for unexpected expenses based on the 3-6-9 rule.
Understand when you can access different retirement accounts penalty-free, including Rule of 55 and Roth conversion strategies.
See how your savings compare to Fidelity targets and actual Vanguard participant data by age.
This tool is provided for educational and illustrative purposes only and should not be considered financial, investment, tax, or legal advice.
We do not collect, store, or transmit any of your personal information to our servers. All data you enter is saved locally on your device using browser storage to preserve your calculations between visits. For your privacy, avoid entering sensitive personal information such as full legal names, Social Security numbers, or account numbers.
The model uses a consistent, flat growth rate from year to year. In reality, markets fluctuate and returns vary significantly over time.
The calculator does not account for taxes owed on distributions. Withdrawals from taxable brokerage accounts, 401(k)s, and traditional IRAs are generally taxed as ordinary income.
This calculator assumes 3% annual inflation for expenses and Social Security benefits throughout retirement. This aligns with historical long-term averages and the inflation assumptions embedded in the 4% safe withdrawal rule. Actual inflation varies year-to-year and may significantly impact your retirement outcomes.
Results are illustrative and intended to support planning conversations—not to forecast actual investment performance or outcomes.