Interactive Calculator
Am I On Track?
See if you're on track to retire comfortably — and what to adjust if you're not.
Your Information
Needs improvement
You're making progress, but increasing your monthly contributions would put you in a much better position.
Projected Retirement Balance
$1.2M
at age 65 (35 years from now)
Annual Retirement Income
$47,527
$3,961/month (4% withdrawal rule)
Target Income
$60,000
80% of your current income
Shortfall
$12,473
79% of target
How You Get There
Assumes: 7% average annual return (historical S&P 500 average), contributions increase with inflation, and you'll withdraw 4% annually in retirement (the safe withdrawal rate).
How to Improve
You have time on your side — even small increases now make a huge difference over 35 years
Max out your employer 401(k) match first — it's free money
Consider working an extra year or two — it dramatically improves your retirement outlook