Money tools
Am I on track for retirement?
Two questions matter: what will you have, and how long will it last? This projects your balance to your retirement date, then spends it down at the income you want — in inflation-adjusted dollars.
Where you are
TODAYEnter returns net of fund fees. A percentage point of fees costs more over a horizon this long than most people expect — what will my investments be worth? prices it.
What you'll need
RETIREMENTIn today's dollars — we adjust it for inflation.
Social Security
WHEN YOU CLAIMToday's dollars, from your Social Security Statement at ssa.gov. It rises with inflation here, as benefits carry a cost-of-living adjustment.
Blank: read from your age.
62 to 70. Blank: 67.
Your full retirement age is 67: no adjustment.
Retiring early can lower your estimate. SSA's estimates assume you keep earning until you claim, and the benefit is based on your highest 35 years of earnings, so years you stop working early can count as low or zero. Check your Statement. Benefits start at 62 at the earliest, and delayed credits stop at 70. To compare every claiming age and its break-even, use when should I start Social Security?
Withdrawals before 59½ generally owe an additional 10% tax unless an exception applies, which this page does not model. One exception: if you leave your employer in or after the year you turn 55, withdrawals from that employer's 401(k) are not hit by it (the "rule of 55"). IRAs generally don't have it. See the IRS list of exceptions.
Enter your current age, the age you want to retire, and the age to plan through.
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.
Related calculators
When should I start Social Security?
Your benefit at every age from 62 to 70, the break-even ages between them, and what you collect in total by the age you plan to.
What will my portfolio be worth?
Project a portfolio with contributions, fees, taxes, and inflation.
How will my money grow?
See how your money grows when interest starts earning interest.
Should I withdraw early?
Count the taxes, the 10% penalty, and the growth you would give up.