Free Calculator
Retirement Calculator
Project your nest egg, model inflation, and understand how Social Security and savings combine to cover your future income — designed for a retirement that feels effortless.
US-centric defaults
Built around 401(k), IRA, and Social Security assumptions you can adjust.
Inflation-aware
Every projection is translated into retirement-year dollars for clarity.
Clear gap analysis
See exactly how much more you need to save to retire on your terms.
Your inputs
Update the assumptions below to match your situation.
Retirement outlook
Your plan in one glance based on the inputs above.
Balance through retirement
Accumulation to your retirement age, then drawdown of your inflation-adjusted income need through life expectancy — against the target nest egg.
Milestone projection
How your balance could grow every five years until retirement.
Assumptions used
What the math behind the projection assumes.
- Contributions (yours plus employer match) are added at the end of each year and the balance compounds annually at the expected return.
- Your income need and Social Security are inflated to retirement-year dollars; the target nest egg is the net need divided by the withdrawal rate.
- In retirement, withdrawals grow with inflation each year while the remaining balance keeps compounding.
- Taxes and fees are excluded; contributions and Social Security are assumed constant in today's dollars.
Guidance for next steps
Turn the math into action with a US-focused checklist.
- Prioritize employer match first. It's the only instant return available in retirement planning.
- Consider tax diversification: 401(k) + Roth IRA + brokerage gives you more control.
- Revisit your Social Security estimate annually at ssa.gov to keep projections realistic.
- If your gap is large, raise contributions by 1% each year until you hit your target.
