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Retirement Estimator
Are you on track? Project where your current savings habits lead — and see exactly what bumping your contribution a little does to the finish line.
🤮 Interactive calculator coming soon
We’re building a live estimator for your age, savings, contributions, and target retirement age. Until then, here’s how to read your own trajectory.
Assumptions that matter
A retirement projection rests on a few key inputs: how much you contribute, the return you assume, inflation, and how much you’ll spend in retirement. Many people anchor on the idea that you can withdraw roughly 4% of a portfolio per year as a starting point — which implies a target nest egg of about 25 times your annual spending. Small changes to your savings rate or timeline move the result far more than chasing a slightly higher return.
How to improve your number
- Capture your full employer match — it’s the highest-return move available. See the retirement accounts guide.
- Raise your savings rate a little each year, especially with raises.
- Keep costs low with index funds so fees don’t eat your growth.
- Give it time — starting earlier is worth more than almost anything else.
Stay on track — free weekly tips
For educational estimates only. The 4% guideline is a rule of thumb, not a guarantee. Not personalized financial advice.
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