Retirement savings target

Last updated: 2026-08-14

A retirement estimate depends on time until retirement, current savings, future contributions, assumed return, inflation, and the income or spending target being tested.

Time until retirement

More years can help because both existing savings and new contributions have longer to compound. Fewer years make the contribution rate and starting balance more important.

Target uncertainty

Retirement estimates are sensitive to assumptions. A useful result shows the gap and the assumptions, not a guarantee.

Use the calculator

Use the retirement calculator to compare current savings, future contributions, and retirement-age assumptions.