Saving for retirement and spending it
Retirement Calculator: Will Your Savings Last? (2026)
See if your savings will last. Enter your age, savings, contributions and Social Security to project your nest egg and the monthly income it can support.
Your Retirement Projection
To Your Plan AgeYour Balance at Key Ages
| Age | Stage | Saved / Withdrawn | Balance (Future $) | Balance (Today’s $) |
|---|
How This Calculator Works
This calculator follows your savings year by year in two stages: the years you spend saving (now until retirement) and the years you spend withdrawing (retirement until the age you plan to). It adjusts for inflation, lets you use a lower return once you retire, and counts your Social Security. Withdrawals are taken at the end of each year, and the calculator assumes a flat 12% tax on them.
If your projected nest egg falls short of the income you want, it works out how much more you would need to save each month, starting today. Required minimum distributions are not modeled as shrinking your savings, because that money stays with you even when it leaves a tax-deferred account. It is an estimate, so try a few different returns and retirement ages.
Frequently Asked Questions
How much money do I need to retire comfortably?
A common rule of thumb is to replace 70% to 80% of your pre-retirement income, since work costs and payroll taxes stop when you do. Subtract Social Security and any pension, and your savings have to cover the rest for a retirement that may last 25 to 30 years.
What is the difference between nominal dollars and today’s dollars?
Nominal dollars are the balance you would see on a future statement. Today’s dollars shrink that balance by inflation so you can see what it would buy now. At 2.5% inflation, prices roughly double in 28 years, so the two numbers end up far apart.
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