How Much Do I Need to Retire? Retirement Savings Calculator

Retirement savings calculator

Estimate the retirement savings you may need. Enter your planned retirement age, spending, healthcare costs, Social Security, pension income and assumptions to estimate the nest egg needed to fund your plan through the age you choose.

How this calculator works. This is the inverse of How long before I go broke. It uses the spending and income you enter — not the comfortable-living floors — and solves for the savings on hand today that still last through your plan-through age.

Limitations. Educational projection only. Housing, care, and side-hustle are included only if you put them on a later tool. It is not tax or investment advice. Last reviewed September 2026.

Free to use · No account required · Assumptions shown · Educational planning tools

Your entered plan

Ages, savings, lifestyle, healthcare, and guaranteed income. Pension at $0 is skipped. This is not the comfortable-living suggestion.

Current age

Full-time work ends

Plan through ageLongevity target, not a prediction. First person when two persons is on.

Current retirement savings

Annual savings until retirementSame dollar amount each year unless you turn on the inflation toggle below.

Lifestyle spending / yearHousing, food, travel — not medical.

Healthcare spending / yearPremiums + out-of-pocket today.

Social Security / yearToday’s dollars, with COLA (rises with general inflation).

Social Security starts

Pension / yearLeave at 0 to skip. COLA is on unless you turn it off.

Pension starts

Pension COLAOn = this pension rises with inflation. Off = a fixed annual amount.

▶Rates

Same market and inflation rates as the longevity tool.

General inflation

Healthcare inflation

Return before retirementGrows current savings (future value) and annual deposits until full-time work ends. Deposits stay level unless the inflation toggle is on.

Return in retirement