How Much Do I Need to Retire Calculator
Estimate the nest egg you need to replace your income in retirement, compare it with where your savings are headed and see the monthly amount that closes any gap.
Your numbers
- Projected savings
- $1,938,502
- Shortfall
- $279,203
- Extra monthly savings needed
- $303
How the how much do i need to retire calculator works
Required income is inflated to retirement, reduced by Social Security, then converted into a lump sum using a real (after-inflation) post-retirement return over your planning horizon. Your projected savings grow with monthly contributions at the pre-retirement return.
Example
Using the default inputs (Current age: 38; Retirement age: 65; Plan to age: 93; Desired annual income (today’s $): $80,000; Expected Social Security / month (today’s $): $2,400; …), the calculator returns nest egg needed at retirement of $2,217,705. Change any field above to see your own result and charts update instantly.
Good for these goals
Frequently asked questions
How much income will I need?
A common target is 70%–80% of pre-retirement income, adjusted for mortgage, healthcare and lifestyle plans.
What life expectancy should I use?
Plan to age 90–95 to avoid outliving your savings.
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Estimates are for educational purposes only and are not financial, tax or legal advice. Results depend on your inputs and simplified assumptions; tax figures reflect 2026 federal rules and may differ from your situation. See our disclaimer. © 2026 FinanzCalc.