Retirement Guesstimator
First, a little about you.
Three quick answers. Your numbers stay on your device.
Retiring before 65? Medicare starts at 65, so you pay for health insurance until then. That is often $7,000 to $15,000 a person each year. It is not included. Add it to your spending, and price it with an advisor or on healthcare.gov.
Leave it blank if you are the same age. An age gap changes when each of you can claim Social Security.
Paste the code from your saved results to pick up where you left off.
What have you saved so far?
Add up your 401(k), IRAs, and other savings. Leave out your home. A rough guess is fine.
Include any employer match. Leave it blank if you are not saving right now.
What income will you have in retirement?
Social Security, a pension, part-time work. Your savings are only part of the picture.
This starts with a typical Social Security benefit. Replace it with yours. ssa.gov/myaccount
Pick an age from 62 to 70. Waiting raises it for life.
Also a typical amount to start. Their statement shows theirs.
Their age, from 62 to 70. It is lined up with your timeline.
For your household, on top of Social Security. It is taxed differently.
How much will you spend each month?
A rough guess is fine. Pick a scenario to start.
Count everything: housing, food, health insurance, travel, and cars. Federal tax on your withdrawals is added.
Here's your retirement picture.
What you'll spend each month, what covers it, and what's left to fill.
You plan to spend a month
- Covered by your income
- Covered by your savings
- The gap to fill
Ways to close it
Each one closes the gap on its own. Tap one to try it in the levers below.
Where your paycheck comes from
Ideas to close the gap
Ideas to make it sturdier
Tap + or − to try each one. The results update as you go.
You are covered. These add a cushion in case life gets more expensive than planned.
Housing is usually the biggest lever. Downsizing or paying off the mortgage can change the whole picture.
Part-time work early in retirement also lets your savings keep growing.
You save for longer and spend fewer years in retirement.
Each year you wait raises your benefit about 7% to 8%, up to age 70. It is guaranteed, and it rises with inflation.
Even a few hundred dollars a month adds up over time.
Talk it through
Want a second set of eyes on this?
I'm Brian, and I built this tool. Most people just want to hear they are on the right track, and that is a good reason to talk. Bring your plan and we will go through it together.
Book a free 30-minute reviewStay in the loop
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I am adding a way to see your results over time and a free budget builder. Leave your email and I will let you know when they are ready.
Only your email is stored. Your numbers stay on your device. I never sell or share your email.
What's next?
This is a starting point, not a finished plan. The best next step is a conversation.
Talk it through
You have a starting point. Let's make it a plan.
I'm Brian. I have spent my career in consumer fintech, including SoFi and LendingClub, and I have built retirement calculators for a living. I made this one to show people where they stand.
Most people who talk to me just want to know they are on the right track. We can go through your numbers together, cover what a calculator leaves out, and decide what to do next.
Book a free 30-minute reviewBefore we talk, gather these
Bring these and our time goes further. They also make your numbers sturdier if you adjust the plan on your own.
- Your Social Security. This started with a typical amount. Your statement shows your own, at each claiming age. ssa.gov/myaccount
- Your savings. Add up the real balances in every 401(k), IRA, and savings account.
- Your spending. Look at three months of statements. Most people guess low. Separate what you must pay from what you want to do.
- Your pension and other income. Ask your employer for a pension estimate, and add any rental or part-time income you expect.
What this leaves out, and what we can cover
Each of these can move your number. These are the ones we can work through together.
- Your spouse retires when you do. This assumes you both stop working at your retirement age. If your spouse keeps working longer, your first years look better than shown.
- Spousal and survivor benefits. This does not model benefits based on your partner's record, or the survivor benefit where one spouse keeps the larger of the two checks. Both can change a couple's results, and the higher earner waiting to claim often pays off the most.
- Steady growth. We grow your savings 5% a year after inflation and take out 4% a year. Real markets are bumpy, and a bad first few years hurts the most.
- Your investments set your paycheck. We assume one steady rate for everyone. A more aggressive mix may grow faster but swings more. A cautious mix swings less but grows slower. Either way, how your money is invested changes how much you can safely take each month.
- Left out on purpose. State taxes, health insurance before Medicare at 65, long-term care, and big one-time costs like a roof or a car. Each deserves its own line in a full plan.
- Your fees and your mix. High fund fees quietly cost you. Check what you pay and how your money is invested for your age.
Stuck on a number? Talk it through with Brian for free.
This is an educational estimate, not financial advice or a plan. Coaching sessions with Brian are for education and talking through your results, not investment advice. Before you rely on any numbers, check them against your full financial picture.