Historical Market Assumptions
We estimate long-term savings growth using historical investment return assumptions commonly referenced in retirement planning.
About Retire Today
Retire Today helps people understand when they may be able to retire, how much they may need to save, and how their income, spending and savings affect their retirement timeline.
Why We Built Retire Today
Retirement planning can feel complicated. Many people do not know how much money they need to retire, when they may be able to stop working, or how their yearly spending affects their retirement savings goal.
Retire Today was created to make retirement planning easier to understand. Our free retirement calculator turns four simple inputs — age, savings, income and spending — into a clear retirement estimate.
How Our Retirement Calculator Works
Our calculator combines your financial information with commonly accepted retirement planning assumptions to estimate your retirement age, savings goal and progress toward retirement.
The 4% Rule
Retirement savings goals are estimated using the widely accepted 4% withdrawal guideline, a common starting point for long-term retirement planning.
Inflation-Adjusted Estimates
Our projections use inflation-adjusted growth assumptions to create more realistic long-term retirement scenarios.
Your Own Financial Data
Every estimate is calculated using your current age, savings, annual income and yearly spending.
Who This Calculator Is For
Retire Today is designed for everyday people who want a simple way to explore retirement planning without complicated spreadsheets or financial jargon.
Future Retirees
People who want to estimate when they may be able to retire.
Early Retirement Planners
People exploring financial independence or early retirement goals.
Families Building Savings
Households trying to understand how income and spending affect retirement.
Curious Investors
Anyone who wants to test different retirement savings scenarios.
Our Financial Principles
Simple
Retirement planning should be easy to understand.
Free
The calculator is free to use with no registration required.
Private
Your financial information stays in your browser and is not stored.
Transparent
We explain the assumptions behind every estimate.
Educational
The calculator is built for learning and planning, not financial advice.
Practical
Results are designed to be clear, useful and easy to act on.
What This Calculator Does Not Do
No retirement calculator can predict the future. Retire Today provides educational estimates based on assumptions, not guaranteed outcomes.
- It does not predict future stock market returns.
- It does not guarantee retirement outcomes.
- It does not include every tax situation.
- It does not replace a financial advisor.
- It does not provide personalized investment advice.
About Our Methodology
Our retirement calculator combines several widely accepted retirement planning principles into one simple estimate. Rather than relying on generic averages, every result is calculated using your own financial information and long-term planning assumptions.
Annual Savings
Annual savings are estimated by subtracting your yearly spending from your annual income.
Retirement Goal
Your retirement savings goal is estimated using the widely accepted 4% withdrawal guideline.
Long-Term Growth
Future savings are projected using inflation-adjusted long-term investment return assumptions.
Personalized Results
Every estimate is based on your own age, savings, income and yearly spending.
While no retirement calculator can predict the future, these assumptions provide a practical starting point for retirement planning and help you better understand your long-term financial outlook.