Fill in what you know and leave one field to solve for — usually monthly savings. Switch between an individual plan and a household plan for a couple. Every figure updates as you type.
Pick one to leave blank — fill in everything else and it's calculated for you.
Estimated Social Security: $0/yr (at retirement, today's dollars)
Est. Soc. Sec.: $0/yr
Est. Soc. Sec.: $0/yr
When solving for monthly savings, the amount is split between you in proportion to what each already contributes (evenly if neither saves yet).
Inflation is assumed at 3% and applied to your target income, Social Security, and the withdrawal plan.
You need to save
This tool is for planning and education only. It uses simplified, constant-return assumptions and a rough Social Security estimate based on current income; it is not a projection of actual results, tax advice, or a benefits statement. In couple mode both partners are assumed to begin drawing at the later of the two retirement dates, with the plan-through age applied to the household. Real outcomes vary with markets, taxes, timing, claiming decisions, and actual earnings records. Confirm benefits at ssa.gov and review any plan with a qualified advisor.