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How will retirement affect my expenses?

Am I saving enough? What can I change?

How will this account be used?

What will I earn with this account?

How advantageous is increasing my savings?

Which savings or income source will be the largest?

How much can I invest before taxes each year?

What if I underestimate my expenses?

What will my income be after I retire?

What will my expenses be after I retire?

What happens if tax laws change?

How much of an effect can inflation have?

Which savings should be used first?

How much will Social Security provide?

What if Social Security no longer exists?

  
 
 
What if Social Security no longer exists?
Personal information
YouSpouse
Current age        
Yearly income $   $  
Age at retirement        
Monthly wages after retirement $   $  
For how many years        
Social Security benefits
Age you will claim Social Security benefits        
Monthly benefits are
Expected to be $   $  
Estimated by this calculator
Ignored by this calculator
Pension or defined-benefit plan
Monthly pension payment $   $  
Years you will receive payments        
No payments adjusted for inflation
First payment adjusted for inflation
Rest of payments adjusted for inflation
All payments adjusted for inflation
Your projections
Inflation on your expenses   %
Yearly rate of growth in income   %
Age at death    
Funds desired at death $  
Your state + federal tax rate before retirement   %
Your state + federal tax rate after retirement   %
Your projected monthly living expenses at retirement
Years requiredMonthly expenses
Initial living expenses     $  
Intermediate living expenses     $  
Remainder of retirement $  
Your future, one-time investments
Amount investedRate of returnYears until you invest
Investment #1  $     %    
Investment #2 $     %    
Your monthly savings (taxable accounts)
Current balanceRate of returnMonthly investmentYears to start
Account #1   $     % $      
Account #2   $     % $      
 
Your monthly savings (tax-advantaged accounts)
Current balanceYour monthly* investmentEmployer's monthly* investmentCurrent return rate
401(k) $   $   $     %
SEP $   $   $     %
SIMPLE $   $   $     %
Keogh $   $   $     %
Traditional IRA* $   $     %
Roth IRA* $   $     %
Other $   $     %
 
Your spouse's monthly savings (tax-advantaged accounts)
Current balanceYour monthly* investmentEmployer's monthly* investmentCurrent return rate
401(k) $   $   $     %
SEP $   $   $     %
SIMPLE $   $   $     %
Keogh $   $   $     %
Traditional IRA* $   $     %
Roth IRA* $   $     %
 
* For IRAs, please input a yearly, not monthly, contributed amount.
 



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