This free retirement calculator shows whether you are on track to retire comfortably. Enter your age, current savings, monthly contributions, and the income you want, and it projects the nest egg you will build, the nest egg you actually need, and the gap between them. When there is a shortfall, it tells you exactly how much more to save each month and how long your money would otherwise last. Works in any currency. No signup required.
Everything earmarked for retirement: 401(k), IRA, pension pot, ISA, brokerage.
How much you (and any employer match) add each month.
Pre-retirement, before inflation. Stocks have averaged ~7%.
Long-run average is roughly 3% per year.
Most people need 70–85% of pre-retirement income.
Target income: $48,000.00 / year in today’s money.
Projected nest egg at age 65
$1,475,834.89
You need about $2,219,187.83 but are projected to have $1,475,834.89 — a gap of $743,352.93. Save an extra $412.73 / month to close it. At today’s pace your money lasts until age 78.
Nest egg needed
$2,219,187.83
Monthly income it supports
$2,660.14
today’s money
Years in retirement
25 years
age 65 — 90
Money lasts until
age 78
35 years to save
Funded
67%
$1,475,834.89 of $2,219,187.83 needed
See your real retirement progress in Auritrack. Track every account, watch your net worth grow, and know exactly where you stand against your target.
Try Auritrack FreeAdd your current age, the age you want to retire, and how long your money needs to last (life expectancy). The default of 90 gives most people a safe margin.
Enter everything already earmarked for retirement across your 401(k), IRA, pension, or brokerage accounts, plus how much you and any employer match add each month.
Choose an expected annual return before retirement (stocks have averaged around 7%) and an inflation rate (roughly 3% long term). Both drive the projection.
Either replace a percentage of your current income (70 to 85 percent is typical) or type the annual income you want in today’s money. The calculator adjusts it for inflation.
See your projected nest egg, whether you are on track, the extra monthly saving needed to close any shortfall, and the age your money is projected to last until.
Your retirement number is not a mystical figure; it is simply the size of the pot that can pay your bills once your paycheck stops. Start from the income you want each year, then work out how big a portfolio can produce that income for as long as you live. The quick version is the rule of 25: multiply the annual income you want from savings by 25. Wanting $40,000 a year points to a $1,000,000 target. This calculator does the same thing with more nuance, because it inflates your desired income to the year you actually retire and then funds every single year of retirement, not just an average. The result is a needed nest egg you can compare directly against what your current plan is projected to build.
The 4% rule comes from research into how much a retiree could withdraw without running out of money over a 30-year retirement. The idea is to take 4% of your portfolio in the first year, then adjust that dollar amount for inflation every year afterward. Withdrawing 4% is mathematically identical to needing 25 times your annual spending. The rule is a useful anchor, but it is not a promise. A steep market decline in the first few years of retirement, an unusually long life, or higher-than-expected spending can all force a more cautious rate of 3 to 3.5%, which raises the nest egg you need to 28 to 33 times spending. Retiring earlier lengthens your withdrawal window and argues for the same caution. Because outcomes hinge on the returns your money earns, it helps to understand exactly how growth compounds, which our compound interest calculator lays out step by step.
Inflation is the quiet force that makes retirement planning hard. At 3% a year, prices roughly double every 24 years. A comfortable $50,000 income today becomes about $90,000 of spending 20 years from now for the exact same lifestyle. If you plan around today’s prices, you will badly undersize your target. That is why this calculator works in two steps: it grows your desired income by inflation up to your retirement date, then keeps growing each year’s withdrawal throughout retirement so your purchasing power holds steady. It also means the return you earn is only useful to the extent it beats inflation. A portfolio returning 7% while inflation runs 3% is really giving you about 4% of genuine, spendable growth, and that real return is what ultimately funds a retirement that could easily span 25 or 30 years.
Needed nest egg = Incomeyr1 × (1 − xn) / (1 − x), where x = (1 + inflation) / (1 + return)
Incomeyr1 = desired income grown to your retirement year; n = years in retirement
The single most powerful force in your favor is time. When your investments earn a return, that return is reinvested and earns its own return the following year, and the effect snowballs. Over a long career the growth on your money typically dwarfs the money you actually contributed. Someone who saves $500 a month from age 30 to 65 at a 7% return contributes $210,000 of their own money but retires with well over $850,000, meaning roughly three-quarters of the balance is pure growth. This is why starting early matters so much more than the amount: a decade of extra compounding at the front of your career can outweigh far larger contributions made later. The year-by-year projection in this calculator makes the split between your contributions and investment growth visible so you can watch the snowball form. If your ambition is to reach financial independence well before a traditional retirement age, our Coast FIRE calculator shows the point at which your existing savings can grow into your number with no further contributions.
Falling short of the benchmarks is common, and it is fixable. The most effective lever is usually your retirement date. Working even two or three years longer does three things at once: it adds more contributions, gives your balance more time to compound, and shortens the retirement your savings must cover, so a small delay can close a surprisingly large gap. The next lever is your savings rate. Investors over 50 can make extra catch-up contributions to tax-advantaged accounts, and directing raises, bonuses, and windfalls straight into savings accelerates progress without squeezing your daily budget. Cutting investment fees, capturing a full employer match, and shifting an overly conservative portfolio toward growth while retirement is still years away all help too. A clear view of what you already own is the natural starting point, so it is worth totting up every account and debt with our net worth calculator before deciding which lever to pull first. Whatever your starting point, the most important step is to make the plan concrete: pick a target, see the gap, and act on it.
See how your money grows over time with daily, monthly, or yearly compounding. Visualize growth with interactive charts.
Find the number where you can stop saving and let compounding carry you to retirement. See your Coast FIRE age and target instantly.
Find your financial independence number, see how many years until you can retire early, and model how your savings rate changes the date.
Add up your assets and liabilities to see your total net worth instantly. Understand where you stand financially.
Retire on Track
Auritrack tracks every account and your net worth automatically, so you always know how close you are to your retirement number. Supports all currencies with AI-powered live exchange rates. Free to start.
Disclaimer: This tool is provided for informational and educational purposes only. It does not constitute financial, tax, investment, or legal advice. Results are estimates based on the inputs you provide and may not reflect actual financial outcomes. Always consult a qualified financial professional before making financial decisions.
