Retirement Readiness Calculator
Find out if you're on track with your retirement savings
First Name
Last Name
Email
example@example.com
Full Name
What do you need help with?
When can I retire based on my goals?
How much savings do I need to retire?
How much will I have when I retire?
What should I be saving each year?
Other
What is your top priority regarding retirement?
Current cash flow (maintain current lifestyle)
Future cash flow (retire most comfortably)
Investment rate of return / savings growth
Retiring by a specific date
Minimizing risk and volatility
Other
Which best describes you?
I like to take as little risk as possible even if it means a lower return.
I am ok with assuming a moderate amount of risk for a higher return.
I will take as much risk as possible for the chance at achieving the highest return possible.
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Retirement Readiness Calculator
Find out if you're on track with your retirement savings
How old are you?
At what age do you plan to retire?
What is your current annual income?
How much do you save each year?
What percentage of your income would you like to replace in retirement?
Enter as a decimal (for example, 80% = .8)
How much do you currently have saved toward retirement?
Do you have a pension plan that you want to include?
Yes
No
How much is your estimated annual pension benefit?
Do you want to include Social Security benefits in your calculation?
Yes
No
How much is your estimated annual Social Security retirement benefit?
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Your Results
Please note this information is for educational purposes only
{percentFunded}% Funded
Estimated Amount Needed At Retirement:
${amountNeeded248}
Estimated Amount You Will Have At Retirement:
${assetsAt243}
{over2} Goal By:
${overage270}
Suggested Actions:
{suggestion11}
Click "submit" to receive a copy of your results by email.
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Inflation
Growth
Years Until Retirement (WLE)
Retirement Age - Current Age
Monthly Need in Today's Dollars
Current Earnings * WRR - SS - Pension
Retirement Payment (RP)
Current Earnings x (1+Inflation)^WLE
Assets At Retirement (AAR)
(Current Assets + Annual Savings / Growth) x (1+ Growth)^WLE - Annual Savings / Growth
Inflation-Adjusted Rate (IAR)
(1+ Growth Rate / 1 + Inflation Rate) -1
P1RT
-1+IAR*1 * RP
Funds Will Last
log((P1RT - (0 * IAR)) / ((AAR * IAR) + P1RT)) / log(1+IAR)
Years In Retirement (RLE)
Death Age (90) - Retirement Age
Amount Needed At Retirement (ANR)
RP x (1-1/(1+IAR)^RLE)/IAR + RP
Overage / Shortage
Assets At Retirement - Amount Needed
Overage / Shortage Output
Abs(Overage / Shortage)
P1RT2
-1+Growth*0 * Annual Savings
Work More Years
(log((P1RT2 - (ANR * Growth)) / ((-Current Savings * Growth) + P1RT2))) / (log(1+Growth)) - WLE
Compounding (C)
(1+ Monthly Growth)^ (WLE * 12)
Save Annually
((-Savings * C - ANR) * Growth) / (C-1) - Current Savings
Additional Lump Sum
Shortage / (1+Growth / 1) ^WLE
Reduce Expenses
pmt aar iar 0 fwl
Percent Funded
Assets at Retirement / Overage
Over
Over 2
Inflation Output
Growth Output
Track
Suggestion11
Should be Empty: