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.
π‘ 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 4% Rule β a widely trusted guideline that says you can safely withdraw 4% of your savings per year, which means saving 25Γ your annual expenses.
Tell us who's saving for retirement, how much you've already saved, and how much you're adding each year.
Select how optimistic you are about long-term market performance. Each scenario uses historical market data to estimate how your savings might grow β both while you're working and after you retire.
π» Bear
Lower growth, bumpier ride. See how your plan holds up if markets underperform.
βοΈ Base
Moderate growth, balanced mix of investments. Reflects typical long-term market performance.
π Bull
Strong growth, higher risk. Optimistic but historically achievable for investors with a high proportion of stocks.
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.
Here's your retirement picture β when you could retire and how long your money is projected to last.
Explore these additional resources to strengthen your retirement plan
Figure out how much cash to keep on hand for unexpected expenses.
Find out when you can access your retirement accounts without penalties.
See how your savings compare to Fidelity targets and actual Vanguard participant data by age.
This table uses a single projected path at the average return for your selected market scenario β a simplified view. Actual results will vary year to year. For the full picture, see the Range of Outcomes chart above.
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 single-path chart uses a consistent, flat growth rate (Bear, Base, or Bull scenario) from year to year. The "Range of Outcomes" view runs 500 simulated futures using variable annual returns to show how results could differ across market conditions. Neither view predicts actual market performance β markets fluctuate in ways no model can fully capture.
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 conversationsβnot to forecast actual investment performance or outcomes.