Your Call to Action
Start saving now! Your cost of waiting is greater than you may expect. This calculator shows how much you must set-aside in order to build your retirement nest egg. You can see how much more you must save each year if you delay your planning.

You can set your Comfort Level in the red box below. If you enter an 80% Chance, we find how much you need to set aside to have an 80% probability of reaching your goal. We also show your median 50-50 outcome -- half of the time your portfolio can grow to that amount or more. It is better to plan on the safe side -- half the time your outcome will be below the 50-50 outcome.

Portfolio returns are uncertain. Your range of outcomes is similar to a bell curve. Below enter your assumption about your portfolio's future annual returns, and we will find an click for more informationEfficient Portfolio that can match your Assumed Return with the lowest risk. To learn more, click the drop-down links in the More Info box above.

After making an entry, clicking any other box triggers the calculation.

Your Call to Action Enter Annual Average Per 
Start Saving Now Rates here Year 
 You Plan to Retire in years   Assumed Portfolio Return %
 Plan to Start Saving in years   Future Annual Inflation %
 Your Current Holdings $   Increase Your Savings by %
  
Enter your Comfort Level In Today's In Future Annual
 and Nest Egg goal below Dollars Dollars Returnsclick for more information
% Chance of Your Goal $
 50-50 Chance Outcome
 Save in First Month
 Save over the First Year
 Your Total Contributions
To save one more or one less year, click  or
To retire one year later or earlier, click  or

Higher Assumed Portfolio Returns give higher median outcomes (your 50-50 point), but also require riskier portfolios. Note how the "Annual Returns" rise in the Your Chance and the 50-50 Chance Outcome scenarios as you increase the number of saving years. Longer Savings Periods temper risk as good and bad years average out.
 

 
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The text and calculators on this website are designed to be informational and educational tools only, and when used alone, do not constitute investment advice. The results presented by the calculators are hypothetical and may not reflect the actual growth of your own investments. The calculators are not intended to be a substitute for qualified professional advice. Before using these calculators, you must agree to their Terms of Use.

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