How much do you actually need to retire?

Estimate a retirement target from spending, inflation, savings and income assumptions.

When this calculator is useful

Estimate the savings and monthly investing needed to support your desired retirement spending.

What to enter

Enter current age, retirement age, life expectancy, current retirement savings, desired annual retirement spending, expected pension or government income, inflation and expected returns before and during retirement.

How to read the result

The key result is the estimated monthly investment needed after accounting for current savings, future spending needs and other retirement income.

Questions worth testing

Compare retiring later, spending less in retirement, receiving more guaranteed income, or using more conservative return assumptions.