Retirement calculator
Retirement Goal Calculator
Estimate a retirement portfolio target using desired annual spending, withdrawal rate, current savings, expected return and time horizon.
Retirement Goal Calculator
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Enter your numbers to see a practical estimate.
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This saves only the relevant planning figures in this browser. Do not enter account numbers or card details.
How to use this result
Desired annual spending of $60,000 at a 4% withdrawal rate suggests a simplified portfolio target of $1.5 million.
Estimate a retirement portfolio target using desired annual spending, withdrawal rate, current savings, expected return and time horizon.
This calculator provides a simplified educational estimate. It is not financial, tax, legal, investment, insurance or lending advice.
Questions answered
Retirement Goal Calculator FAQ
What is a withdrawal rate?
It is the percentage of the portfolio withdrawn in the first year of retirement in this simplified model.
Does the estimate include Social Security?
No. Add expected Social Security or pension income separately.
Is inflation included?
No. A full retirement plan should consider inflation, taxes, fees and changing spending.