Free retirement calculator

Start with your numbers.

Build a simple retirement illustration in four steps. This calculator does not save your entries or require an account.

Step 1 of 4Tell us about yourself

Your current ageWhole years; no date of birth needed.Target retirement agePlan through age Include a partner

Planning ages are assumptions, not estimates of life expectancy.

Step 2 of 4Your recurring income

Your gross monthly Social Security estimate (USD)Enter your estimate for the claiming age below. Enter 0 if none.Your benefit start ageOther gross monthly recurring income (USD)Pension or other income. Enter 0 if none.Other income start age — your age

Use personal benefit estimates. Changing a start age does not recalculate benefits or determine eligibility. Amounts stay indexed with the inflation assumption in this simplified illustration.

Step 3 of 4Your investments

Total investments available for retirement (USD)Combined household total if including a partner. Exclude property unless converted to investable cash.Annual saving before retirement (USD)Year-end contributions. Enter 0 if none.Fixed annual nominal return after fees (%)Illustrative assumption, not a forecast.

One pooled investment balance is modeled. No account-specific withdrawal rules or taxes are calculated.

Step 4 of 4Your retirement spending

Monthly retirement budget today (USD)Include estimated taxes and healthcare. Income is entered gross.Annual inflation assumption (%)Applies to spending and the recurring income estimates in this simplified calculator.

The current calculator does not compute federal or state taxes, RMDs, healthcare premiums or probabilities of success.

Start with your numbers.

Your plan at a glance