Find out if you're saving enough to retire comfortably.
| Age | Target (× Salary) | If Salary = $60K | If Salary = $80K | If Salary = $100K |
|---|---|---|---|---|
| 30 | 1× salary | $60,000 | $80,000 | $100,000 |
| 35 | 2× salary | $120,000 | $160,000 | $200,000 |
| 40 | 3× salary | $180,000 | $240,000 | $300,000 |
| 45 | 4× salary | $240,000 | $320,000 | $400,000 |
| 50 | 6× salary | $360,000 | $480,000 | $600,000 |
| 55 | 7× salary | $420,000 | $560,000 | $700,000 |
| 60 | 8× salary | $480,000 | $640,000 | $800,000 |
| 65 | 10× salary | $600,000 | $800,000 | $1,000,000 |
Source: Fidelity Investments retirement guidelines
The 4% Rule says you can safely withdraw 4% of your retirement savings each year without running out of money over a 30-year retirement. This means:
To find your number: Annual retirement income needed × 25 = required nest egg
Our free retirement calculator helps you quickly estimate compound interest and investing values with just a few inputs. Whether you're planning ahead or comparing options, this tool gives you instant, accurate results — no signup required.
Simply enter your values in the form above and click calculate. The tool will instantly process your data using industry-standard formulas and display detailed results. You can adjust any input to see how changes affect your outcome in real-time.
Understanding your retirement numbers is crucial for making informed decisions. Many people overpay or make costly mistakes simply because they don't run the numbers first. Our calculator helps you avoid common pitfalls by providing clear, actionable estimates based on your specific situation.
Yes, this calculator is completely free with no hidden fees or signup requirements. Use it as many times as you need.
Our calculator uses industry-standard formulas and current data to provide reliable estimates. However, actual results may vary based on individual circumstances and changing market conditions.
Yes, you can print your results directly from your browser or take a screenshot for your records. We recommend saving important calculations for future reference.
Use your results as a starting point for decision-making. Compare different scenarios by adjusting inputs, and consider consulting with a qualified professional for significant financial decisions.