How much should I save for retirement?

A common guideline is to save 15% of pre-tax income for retirement, including employer matches. Your specific target depends on your desired retirement lifestyle and years until retirement.

Retirement Savings Calculator

Estimate your retirement nest egg based on current savings, monthly contributions, age, and expected returns.

This tool runs in your browser. None of your data is saved or sold.

Current age (years)

Retirement age (years)

Current retirement savings ($)

Monthly contribution ($)

Expected annual return (%)

Expected inflation (%)

About This Calculator

This calculator projects your retirement nest egg based on your current age, target retirement age, current savings, monthly contributions, and expected returns. It answers the core retirement planning question: 'Am I on track?'

Estimates only — not financial, tax, legal, or investment advice. Verify important results with a qualified professional before making decisions.

nest egg = savings×(1+r)^N + monthly×((1+r)^N − 1)/r where r = annual rate ÷ 12, N = years × 12; inflation-adjusted = nest egg ÷ (1+inflation)^years