Retirement Calculator
Project your retirement savings to your target age using salary growth, your savings rate, and real (after-inflation) returns, then compare against the corpus needed to fund retirement spending. Shows your surplus or shortfall and the savings rate that closes the gap.
TheCalculators — Retirement Calculator
Printed thecalculators.com
Projected Retirement Shortfall
$290,277
On track for $437,146 vs $727,423 needed (60% of goal) — in today's dollars
- Projected Balance at 67
- $437,146
- Corpus Needed at 67
- $727,423
- Annual Need in Retirement
- $52,500
- Years of Retirement Funded
- 18
- Real (After-Inflation) Return
- 2.91%
- Current Savings Rate
- 10.0%
- Required Savings to Close Gap
- $31,611/yr (45.2% of income)
Projected balance vs needed corpus
Milestones (today's dollars)
Modeled in real (today's-dollar) terms: returns are discounted by inflation, and salary growth ≈ inflation keeps contributions constant in real terms. Supports the 4%-style sustainable withdrawal logic via the annuity factor.
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Formula
Needed = (Income×75% − other) × [1−(1+r_real)^−n]/r_real; Balance grows at r_real with annual contributions
Pro tips
- • The gap is most cheaply closed early: each extra year of 10% savings adds disproportionately to the final balance.
- • Social Security is the "other income" most people forget — entering it can cut the needed corpus dramatically.
FAQ
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