Retire in the USA: Are You on Track?

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Easily estimate if you're saving enough for retirement in the US. Interactive visuals, transparent calculations, smart insights.

Last update Dec 2024
  • Scenario 1: Lifetime Wealth

Compare how your current savings and contributions align with your retirement goals. See adjustments to savings or retirement age impact your financial readiness.

Age
Try your numbers:

How old are you today? Helps set your retirement timeline.

A =

When do you want to retire? Common targets are 65 or 67.

B =

Total amount saved for retirement, including 401(k)s, IRAs, etc.

C =

How much you save annually, including employer contributions

D =

Your annual spending goal during retirement. Typically 70-80% of pre-retirement income.

E =

Expected yearly Social Security benefits in retirement.

F =
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Add Input
  • Amount
    Any single amount ($).
  • Cash Flow
    Rent, insurance premium, salary, ...
  • Current Asset
    Real estate, commodity, bonds, ...
  • Installment Loan
    Mortgage, car loan, ...
  • Percentage
    Any percentage value (%).
  • Years / Months
    Any time horizon.
  • Age (already added)
    Show "Age" instead of "# Years from Now."
  • Retirement Age (already added))
    Enable "Investment Return After Retirement."

Time Value Assumptions

Heads Up!

If you're using Cost Basis (cb) for calculating capital gains:

Please be aware that very few countries currently use inflation-indexed cost basis. Double-check your local tax rules before publishing.

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How is Cash Value calculated?

Assumes annual savings and retirement spending grow with inflation. This quick estimate simplifies by excluding tax impacts, offering a straightforward view of your savings trajectory.

Decisions / Expectations

(Expressions are evaluated at Year 0 only.)

G̃ =
H̃ =
Now
Follow Inflation
Ĩ =
∞
Follow Inflation

Calculations

(Expressions are evaluated at every year.)

J̃ =
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Add Decision or Expectation
  • Buy Asset
    Buy an asset growing at its own rate.
  • Take Installment Loan
    Take a mortgage, loan, etc.
  • Invest
    Receive/Spend a lump sum.
  • Expect to Invest
    Expect to receive/spend a lump sum.
  • Expect Monthly Cash Flow
    Expect to receive/spend cash monthly.
  • Expect Yearly Cash Flow
    Expect to receive/spend cash yearly.
  • Define Variable (Numerical)
    Calculate an intermediate value.
Add Intermediate Calculation
  • Define Variable (Numerical)
    Calculate an intermediate value.
  • Define Variable (Cash Flow)
    Calculate a combined cash flow.