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Plan a Retirement You Can Actually Afford

Retirement planning calculators for US savers: target balance, withdrawal rates, FIRE timelines and inflation-adjusted projections.

Your step-by-step path

  1. 1

    Calculate your target number

    Roughly 25 times annual spending, adjusted for Social Security and for retiring early. The number is usually large enough to be discouraging at first and entirely reachable once broken into a monthly contribution.

    Open the Retirement Savings Calculator
  2. 2

    Find your financial independence date

    Your savings rate determines the timeline far more than your income does. Going from a 15% to a 30% savings rate cuts roughly a decade off a typical working career.

    Open the FIRE Calculator
  3. 3

    Stress-test the withdrawal rate

    The 4% rule was derived from 30-year retirements. For a 40+ year horizon, 3.25–3.5% is the more defensible assumption, which raises the target meaningfully.

    Open the FIRE Calculator
  4. 4

    Express everything in today's dollars

    At 3% inflation, costs double roughly every 24 years. A projection that reports a future balance without adjusting for inflation overstates what that balance will buy.

    Open the Inflation Calculator

Tools for plan retirement

  • AI Financial Health Score

    One score across six areas — emergency fund, debt, savings rate, investing, credit and cash flow.

  • AI Retirement Planner

    Not just a number — the age you can retire, the milestones on the way, and what to contribute now.

  • AI Investment Advisor

    Educational allocation frameworks based on your horizon and risk tolerance — plus what fees would cost you.

  • Compound Interest Calculator

    See the balance, the split between contributions and growth, and what it actually buys.

  • Investment Return Calculator

    Your headline return is not your return. See what survives fees, taxes and inflation.

  • Retirement Savings Calculator

    Find your target, see the gap, and check whether you are leaving employer money behind.

  • FIRE Calculator

    Your savings rate sets the date far more than your income does. This shows the year.

  • Inflation Calculator

    Translate future dollars into today's purchasing power — the adjustment most plans skip.

  • Net Worth Calculator

    One number that tells you whether the whole plan is working — plus what is actually spendable.

  • 401(k) Calculator

    See what your contributions and your employer's match grow into — and whether you're leaving free money on the table.

  • Social Security Calculator

    See an educational estimate of your monthly benefit, and how claiming at 62, full retirement age or 70 compares.

  • Roth IRA Calculator

    See what your contributions grow into — and how much of that growth is yours completely tax-free.

  • Traditional vs Roth IRA Calculator

    Compare pre-tax and after-tax retirement saving on your own tax rates — including the side fund a deduction buys.

  • RMD Calculator

    Work out the minimum you must withdraw from a retirement account this year — and the tax that comes with it.

  • Retirement Withdrawal Calculator

    See how long a portfolio survives at your withdrawal rate, with inflation raising the amount you need each year.

  • 401(k) Early Withdrawal Calculator

    See what's left after income tax and the 10% penalty — and what that money would have become if you left it alone.

  • Roth Conversion Calculator

    Compare converting now and paying tax today against leaving the money to grow and be taxed in retirement.

  • Coast FIRE Calculator

    Find the point where your existing investments will grow into your retirement number without another dollar saved.

  • Lean FIRE Calculator

    Find the smaller portfolio that funds a deliberately lean lifestyle — and how soon your savings rate gets you there.

Go deeper

The topic hubs behind this goal, with every related tool and guide.

  • Retirement

    Find the number you need, and the date it becomes reachable.

    19 tools

  • Investing

    See what consistent contributions actually turn into over decades.

    19 tools

  • Financial Planning

    One number that tells you whether the whole plan is working.

    19 tools

Want a plan tailored to you?

Tell the AI coach about your situation and get a personalized version of this path.

Ask the AI coach

Plan Retirement questions

What age can I realistically retire?

It follows from your savings rate more than your income. At a 15% savings rate a full career of roughly 40 years is typical; at 30% it drops to about 28 years; above 50% it compresses under 17. The FIRE calculator computes the specific crossover for your numbers.

How much will Social Security cover?

Social Security replaces roughly 40% of pre-retirement income for a median earner, and proportionally less for higher earners because of the benefit formula's bend points. Treat it as a meaningful floor rather than a plan. Your personalized estimate is available at ssa.gov/myaccount.

Can I retire before 65 if my money is in a 401(k)?

Yes, with planning. Rule 72(t) substantially equal periodic payments, Roth conversion ladders, and the rule of 55 all provide penalty-free early access, but each has strict conditions. Most early retirees also hold a taxable bridge account to cover the years before those mechanisms become available.