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How this estimate works
We grow your current savings and monthly contributions at the yearly rate you enter until your retirement age, using growth after inflation so results are in today’s dollars. We then apply a 4% yearly withdrawal rule of thumb to estimate monthly income, add the Social Security and pension you expect, and compare the total with your goal. If there is a gap, we show the extra monthly saving that would close it. Real results vary with markets, taxes and how long you live.
Frequently asked questions
How much do I need to retire?
Why use a return after inflation?
Can an annuity change the result?
This calculator gives a general estimate for education only. It is not a quote, an offer of coverage, or tax, legal or financial advice. Your actual results depend on your circumstances and the carriers and plans available to you. Projections are hypothetical and do not guarantee results. Annuity guarantees depend on the issuing insurer’s claims-paying ability.