Retirement calculator

Find your enough number.

Adjust your savings, spending, returns, and lifespan. The results update instantly as the plan changes.

Enough number

$2,850,439

Ready at

Age 61

Gap at 55

$523,082

Extra monthly

$1,063

Scenario

Your number

$2,850,439

Target based on $114,018 in retirement-year expenses, 4% withdrawals, and Social Security offsets when they apply.

6 years after target

Current shortfall: $2,350,439
Projected savings when ready: $2,903,676
Ready at age: 61
Years from now: 26
Extra monthly savings by age 55: $1,063
Money lasts until: Age 95

Milestones

Within lifespan

Age 35Today$500,000

33% of $1,500,000

Age 361 years$535,000

35% of $1,537,500

Age 405 years$701,276

41% of $1,697,112

Age 4510 years$983,576

51% of $1,920,127

Age 5015 years$1,379,516

64% of $2,172,447

Age 5520 years$1,934,842

79% of $2,457,925

Age 6025 years$2,713,716

98% of $2,780,916

Age 6126 years$2,903,676

100% of $2,850,439

Can you retire at 55?

At age 55, this plan is projected to have $1,934,842 against a target of $2,457,925.

$523,082 gap

Longevity

The plan lasts through age 95 under these assumptions.

34 years in retirement

Withdrawal comparison

4% rule$2,850,439

Trinity Study$2,850,439

3.5% guardrail$3,257,645

3% conservative$3,800,585

Plan details

Inflation: 2.5%
Return: 7%
One-time expense: $0 at age 45
Social Security: $0 monthly at age 67

Compare

Saved scenarios

1 valid

How this is calculated

Enough projects savings with annual contributions and market return, inflates expenses over time, subtracts Social Security after its start age, then divides net annual spending by the withdrawal rate.

Privacy and limits

Scenarios stay in this browser. The result is a planning estimate, not financial advice.