Your Details
Your current age. This helps calculate years until retirement.
When you plan to stop working. This affects how long your savings must last.
Your gross annual income. Used to calculate desired retirement income.
The annual income you want in retirement. A common target is 70-80% of pre-retirement income.
Total across all retirement accounts — 401(k), IRA, Roth, brokerage, etc.
How much you save for retirement each month, including any employer match.
Expected annual return on your investments. Historical stock market average: 7%.
Estimated monthly benefit. Check your estimate at ssa.gov/myaccount.
Pension, rental income, or other recurring income sources in retirement.
Expected annual inflation. Long-term average: 2-3% per year.
Your Assumptions
Years to Retirement
25 years
Annual Inflation Rate
3%
Average Investment Return
7% annually
Safe Withdrawal Rate
4% annually
Income Replacement Assumption
80% of current income
Contribution Strategy
Monthly contributions assumed