Retirement Calculator

Put your retirement savings, your contributions and your annual return into the retirement calculator, and we'll show you how much you can expect to have when you say goodbye to the 9-to-5.

Enter Your Information

If you were born in 1960 or later, 67 years old is the age at which you can retire with full benefits.


This should be the total of all your investment accounts including 401(k)s, IRAs, mutual funds, etc.


This is the amount you invest each month. We recommend investing 15% of your paycheck.


This is the return your investment will generate over time. Historically, the 30-year return of the S&P 500 has been roughly 10-12%.1

Your Results


In 0 years, your investment could be worth:


Want to make a plan to meet your retirement goals?
Are you saving enough to retire the way you want?
Is money stress stopping you from investing more?
  • Initial Balance

    $ 0

    0% of Total

  • Contributions

    $ 0

    0% of Total

  • Growth

    $ 0

    0% of Total

What if I...

  • Saved an extra $100 per month.

    Adds $100 a month in contributions, but creates


    in additional growth

  • Gave up daily coffee purchases.

    Adds $128 a month in contributions, but creates


    in additional growth

  • Gave up weekly restaurant visits.

    Adds $200 a month in contributions, but creates


    in additional growth

Now build a plan to reach $0

Now that you've calculated your estimated retirement savings, your next step is to use a Smartvestor Pro to build your custom retirement plan.

Find a Pro Now
SmartVestor is an easy, free way to find investing professionals.

Retirement and Investment Guidance

  • Custom retirement and investment plans

  • Real-life, helpful people you can call

  • Hundreds of investment options

  • Zero hard-sell pitches

What is a retirement calculator for?

A retirement calculator is a simple way to estimate how your money will grow between now and the time you retire if you continue investing at the rate you are today. 

But remember—a retirement calculator doesn’t replace professional advice! If you need help with your investments, we recommend working with an investment professional who’ll help you understand what your money’s doing. If that’s your next step, we can help you connect with a pro who serves your area.

How much will I need in retirement?

The real question is—what do you want to do in retirement? Travel? Spend time with your grandkids? Get that mountain or beach house? C’mon, think big! And remember, like Dave Ramsey says, “There are some really cool non-greedy things to do with it later, like giving it away.”

Got your vision? Figure out how much you'll need to make it a reality.