How this calculator works
Savings grow each year at your pre-retirement return while contributions rise with your raises. Retirement income needed is a share of your final pay, minus Social Security grown with inflation. The savings needed is the present value of those withdrawals through your plan age at your retirement return, and any shortfall is turned into extra monthly savings.
Worked example
With the example values below: On track, $496,840 surplus (savings last past age 90). Change any number above to run your own.
What you enter
| Input | Example |
|---|---|
| About you | |
| Current age | 30 |
| Retirement age | 67 |
| Plan to age | 90 |
| Annual income | $85,000 |
| Savings | |
| Current retirement savings | $50,000 |
| Monthly contribution | $800 |
| Annual raise | 3% |
| Return before retirement | 7% |
| Return in retirement | 5% |
| Retirement needs | |
| Income needed (% of final pay) | 75% |
| Social Security / month (today's $) | $2,000 |
| Inflation | 2.5% |
Grow what this calculator projects.
TruthSayer AI sends quantitative stock signals across valuations, earnings and dark-pool activity, each one traded in its own funded account first.
Estimates for planning only, not financial, tax or legal advice. Tax tools use 2026 federal figures (brackets, $16,100 / $32,200 standard deduction, $19,000 gift exclusion, $15M lifetime exemption). Rates shown as defaults are examples; replace them with quotes you actually receive.