Retirement calculator
Today.
The age you plan to stop working.
401(k), IRA and other retirement savings.
Include any employer match.
In today's dollars, after Social Security or a pension.
On track only if markets match S&P 500 history
With S&P 500-like returns you reach $1,205,257 at 65, past your $1,000,000 goal. At a steady 4% you'd have $676,123, 67% of it. Saving $1,223 a month gets you there without counting on strong markets.
- Steady at 65
- $676,123
- Pays about $27,045 a year
- Optimistic (S&P 500) at 65
- $1,205,257
- Pays about $48,210 a year
- Your goal
- $1,000,000
- 25 × $40,000 a year
- Monthly saving needed
- $1,223
- Steady case · you save $750 now
Year-by-year table
| Age | Steady | Optimistic (S&P 500) |
|---|---|---|
| 35 | $50,000 | $50,000 |
| 36 | $61,164 | $62,677 |
| 37 | $72,774 | $76,216 |
| 38 | $84,849 | $90,676 |
| 39 | $97,407 | $106,119 |
| 40 | $110,467 | $122,613 |
| 41 | $124,049 | $140,228 |
| 42 | $138,175 | $159,040 |
| 43 | $152,866 | $179,132 |
| 44 | $168,145 | $200,590 |
| 45 | $184,034 | $223,508 |
| 46 | $200,559 | $247,983 |
| 47 | $217,746 | $274,123 |
| 48 | $235,619 | $302,041 |
| 49 | $254,208 | $331,857 |
| 50 | $273,540 | $363,700 |
| 51 | $293,645 | $397,709 |
| 52 | $314,555 | $434,030 |
| 53 | $336,301 | $472,822 |
| 54 | $358,917 | $514,251 |
| 55 | $382,437 | $558,497 |
| 56 | $406,899 | $605,752 |
| 57 | $432,339 | $656,220 |
| 58 | $458,796 | $710,120 |
| 59 | $486,312 | $767,686 |
| 60 | $514,928 | $829,165 |
| 61 | $544,689 | $894,826 |
| 62 | $575,640 | $964,951 |
| 63 | $607,830 | $1,039,845 |
| 64 | $641,307 | $1,119,831 |
| 65 | $676,123 | $1,205,257 |
Retirement calculator by Points Frog ↗ · An educational estimate, not financial advice.