How much do I need to retire?

It depends on your desired income and expenses. A common rule of thumb is to save around 25× annual expenses, but personal circumstances vary.

What is a safe withdrawal rate?

4% is a popular guideline, but market conditions and personal risk tolerance matter. Use conservative assumptions.

Should I use nominal or real returns?

We use real return (after inflation) to compare savings and income in today’s dollars.

No. Everything runs locally in your browser. Export or share a link to save settings.

Retirement Savings Calculator

Name: Retirement Savings Calculator
Author: CalculatorBolt

Estimate retirement savings needed. Enter current age, retirement age, savings, contributions, returns, inflation, and income goal. See if you’re on track. Informational only—consult a financial advisor. Explore more tools on free calculators on CalculatorBolt.

Calculator

Current Age

Retirement Age

Current Savings

Monthly Contribution

Annual Return (%)

Annual Inflation (%)

Income Goal

Absolute Amount

Percentage of Pre‑Retirement Income

Desired Annual Income

Find Contributions for Goal (Target On‑Track)

Total Savings at Retirement

Desired Income (Today)

Required Nest Egg

Gap

Import JSON

Currency rounding

Percent decimals

How it works

We project savings using a real return (after inflation). Required Nest Egg = Desired Annual Income (today’s dollars) ÷ Real Return. We compare projected savings to the required nest egg and show the gap and on‑track status.

Inputs explained

Current/Retirement Age, Current Savings, Monthly Contribution, Annual Return, Inflation, Desired Income (absolute or % of pre‑retirement income).

Example

Current=30, Retirement=65, Savings=50k, PM=500, Return=6%, Inflation=2%, Income=70% of 80k → Years=35; Total Savings and Required Nest Egg are estimated in today’s dollars to reveal any gap.