Retirement Calculator
Plan for Your Financial Future
This website contains affiliate links, meaning we may earn a commission for purchases made through these links, at no extra cost to you. Our opinions are principled, original and our own. See how we make money. Thank you for your support.
Try our retirement calculator and see what you can save. Enter what you think you can save monthly, then use our zero-based budget calculator to see if you can squeeze some more savings to apply to your retirement. It helps to see your potential in numbers.
Enter Your Information!
Enter the starting amount you want to invest.
Enter your monthly investment amount.
How many years before you want to retire?.
Enter the expected annual return percentage. Over the past 75 years, the total US stock market has provided an average annual return of roughly 10% to 12% before inflation
Results
Growth by Year
| Year | Beginning | Additions | Growth | Balance |
|---|
Retirement Calculators to Secure Your Future
Take the Guesswork Out of Retirement
Struggling to save for retirement or feeling behind? Budget Coach USA’s Retirement Calculators make planning simple. Whether you’re starting late or managing a tight budget, our tool helps you estimate how much you can save for a secure future. No hype, just clear steps to take control!
Why Use a Retirement Calculator?
Retirement planning can feel overwhelming, but a calculator brings clarity. It helps you:
- Estimate Savings Needs: See how much you need for retirement based on your lifestyle.
- Plan for 401(k)s or IRAs: Understand contributions for accounts like Roth IRAs or 401(k)s.
- Set Goals: Find realistic savings targets, even with small contributions.
- Catch Up: Discover options like catch-up contributions if you’re 50+.
Our calculator is perfect for those who are trying to take the next step in retirement planning. Start today and see what’s possible!
How to Use Our Retirement Calculator
Follow these steps to get the most from Budget Coach USA’s Retirement Calculators:
- Enter Basic Info: Input your age, income, and current savings.
- Set Your Goals: Add your desired retirement age and monthly expenses.
- Explore Scenarios: Adjust contributions (e.g., 401(k), Roth IRA) to see how they grow.
- Review Results: Get a personalized estimate of your savings needs and gaps.
For accurate results, check your budget with our zero-based budgeting calculator first. Need help? Visit IRS.gov for contribution limits.
What to Do After Using the Calculator
Got your results? Take these steps:
- Start Small: Contribute to a 401(k) or open a Roth IRA with providers like Vanguard or Fidelity. Even $25/month counts!
- Maximize Matches: If your employer offers a 401(k) match, contribute enough to get it—it’s free money.
- Catch Up if 50+: Add extra savings ($7,500 for 401(k)s, $1,000 for IRAs in 2025).
Additional Resources
- IRS Retirement Plans: Rules for 401(k)s and IRAs.
- Fidelity: Open low-cost retirement accounts.
- NAPFA.org: Find a fee-only financial planner.
Start Planning Today
Don’t let retirement stress you out. Use Budget Coach USA’s Retirement Calculators to create a plan that works for you. Explore our Retirement Accounts 101 or Retirement FAQs for more tips.