Retirement calculator
What you'd live on when you stop working, whether it lasts, and what saving a little more buys.
At 67, a month, in today's dollars
Enough for the $5,000 a month you’d like, lasting to 92, with $1,541 to spare.
- From savings
- $3,529
- Social Security from 67
- $3,012
- Saved by 67
- $794,379
Your savings by age
Growing until you retire, then paying your income. The shading shows weaker and stronger returns (2 points either way).
At 67
- Savings$794,379
- Range$523,658 – $1,233,746
- First $100,000 at 38.
- From 45, growth adds more each year than you put in.
- Peak of $794,379 at 67.
Save a little more?
Putting in 2% more of your pay ($142 a month before tax) adds about $550 a month in retirement.
Social Security
Our estimate from your pay, by the age you start. Your statement at ssa.gov/myaccount is more exact.
Starting at 67: $3,012 a month, or $3,735 if you wait until 70.
How we calculate this
Until you retire, your savings grow by the return you choose, less inflation, with what you and your employer put in each month. After that, they pay the monthly amount that lasts exactly to the age you plan to: that, plus Social Security, is the income shown. Figures are before tax.
Social Security is estimated with SSA’s 2026 formula from your pay (90% of average monthly earnings up to $1,286, 32% up to $7,749, 15% above), then reduced for starting before your full retirement age or increased for waiting, up to 70. A figure from your own statement replaces the estimate.
- SSA: benefit formula bend points
- SSA: starting your retirement benefits early
- my Social Security (your statement)
Social Security formula for 2026: bend points $1,286 and $7,749, taxable maximum $184,500.
Questions
- How much do I need to retire?
- It depends on what you'll spend. Many people aim for 70–80% of their income before retiring. This calculator works out the monthly income your savings can pay from the day you retire to the age you plan to, plus Social Security, and compares it with what you'd like.
- When should I start Social Security?
- You can start at 62, but the monthly amount is about 30% lower than at 67 (your full retirement age if you were born in 1960 or later). Waiting past 67 adds 8% a year until 70. Tap each age in the chart to compare.
- Is the Social Security figure exact?
- No. It's estimated from your current pay, assuming a career at a similar level. Your own statement at ssa.gov/myaccount uses your real earnings record; enter its figure for a closer answer.
- Why are the figures in today's dollars?
- So you can compare them with what things cost now. Returns and raises are reduced by inflation, which makes $5,000 a month in 30 years mean what $5,000 means today.
See this with your real accounts
Geldfish links your bank, finds your paychecks, bills and loans, and shows your balance on every day ahead.
Request an inviteEstimates for illustration only, not financial advice. Nothing you enter is saved or sent anywhere.