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Retirement Scenarios Calculator

Inputs

Current Age(years)

Your age today

Current Retirement Savings(USD)

Total amount saved in retirement accounts

Annual Contribution(USD)

Amount you save each year until retirement

Annual Investment Return(%)

Expected average annual investment growth rate

Life Expectancy(years)

Expected age you may live to

Early Retirement Age(years)

Target age for early retirement scenario

Normal Retirement Age(years)

Target age for standard retirement scenario

Late Retirement Age(years)

Target age for delayed retirement scenario

Annual Retirement Spending(USD)

Estimated yearly expenses in retirement

Inflation Rate(%)

Expected average annual inflation

Results

Early Retirement Savings

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Early Retirement Years

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Early Retirement Duration

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Early Retirement Adequacy

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Ratio of savings to total spending needs

Normal Retirement Savings

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Normal Retirement Years

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Normal Retirement Duration

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Normal Retirement Adequacy

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Ratio of savings to total spending needs

Late Retirement Savings

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Late Retirement Years

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Late Retirement Duration

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Late Retirement Adequacy

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Ratio of savings to total spending needs

Early vs Normal Savings Gap

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Normal vs Late Savings Gap

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Recommended Scenario

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Formula

Savings = P(1+r)^n + PMT × [((1+r)^n - 1) / r] where P=current savings, r=annual return, n=years, PMT=annual contribution