Free Retirement Number Calculator — How Much Do You Actually Need?
Estimate the portfolio size your retirement income goal implies, then compare it with your projected savings based on current contributions. This tool blends investment growth with Social Security and pension income so the gap is easier to see.
Enter your plan
Use a realistic return assumption. The calculator is most useful when it helps you make better contribution and retirement-age decisions, not when it promises a perfect forecast.
Income breakdown
| Component | Annual amount | What it means |
|---|
Your results
Retirement number needed
$0
Projected balance
$0
Income gap or surplus
$0
Monthly savings needed
$0
Years of money
0.0
Rule used
4.0%
You need $0. You're on track to have $0.
Enter your numbers to see whether you are on track.
Need the next step after the calculator?
The calculator shows the gap. The planner helps you build the paycheck. Get the deeper framework for bucket strategy, withdrawal order, Social Security timing, and retirement income guardrails.