Instructions to use the retirement calculator below:

Step 1: Amend the default numbers in the Input section according to your financial situation
Step 2: Change 1 or more of the inputs as you need
Step 3: The Results Summary section will now be recalculated immediately. Review it.
Step 4: Also review the detailed Retirement Roadmap generated, note your Surplus/Shortfall

retirement calculator demo


Calculate Retirement Shortfall/Surplus (Input Section)

Calculate Retirement Funding Shortfall/Surplus (Result Section)

 

Results Summary

Right click and print this results for your reference.


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Retirement Calculator - HowToFinanceMoney.com

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* This table reflects fixed annual rates of return, expense, and income growth. It is meant solely as a guide. It is not likely that these and other variables will increase and decrease by a steady annual rate year over year.

 


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Retirement Calculator Disclaimer

The calculations in Retirement Calculator are based solely on information provided by you, the user and the assumptions shown or selected. Because there is no way to know all information about your finances or your personal situation, analysis may be incomplete or inaccurate. All insight provided represents a courtesy extended to you for illustrative purposes only and you should not rely on this information as the primary basis of your investment, financial, or tax planning decisions. No representations, warranties or guarantees are made as to the accuracy of any estimates or calculations. Retirement Calculator Z is not liable for any damages or costs of any type arising out of or in any way connected with your use of this calculator. The retirement roadmap generated in this Retirement Calculator does not serve, either directly or indirectly, as financial or tax advice and you should always consult a qualified professional financial and/or tax advisor for your specific situation. Past performance is not a guarantee of future return, nor is it necessarily indicative of future performance and future returns may be less favorable or negative. Keep in mind investing involves risk.
Calculation Assumptions
This Retirement Calculator is intended to provide a basic sense of how your portfolio may grow and support your stated spending goals. It also gives you an easy way to see how adjustments to the most important variables (saving rate, spending rate and retirement age) can impact your outcome. All results are presented in today’s money, inflation adjusted at 3.0% unless changed by the user.
Returns do not account for fees or trading costs. It is not possible to invest without incurring any investment expenses. For simplicity, we assume no taxes on portfolio growth, but in reality, tax always apply for income or revenue.