Free Retirement Calculator
Calculate how much you need to retire comfortably. Our free retirement calculator uses Monte Carlo simulations to project your retirement savings with 95% confidence.
Quick Retirement Estimate
Estimated Retirement Savings
$2,031,621
In 30 years at 7% annual return
How to Use Our Retirement Calculator
Our free retirement calculator helps you answer the most important question:"How much do I need to retire?" Simply enter your current age, target retirement age, existing savings, and monthly contributions to get an instant estimate.
Why Monte Carlo Simulations Matter
Unlike basic calculators that assume a fixed return rate, RetirePro usesMonte Carlo simulations to run 1,000+ scenarios based on historical market data. This gives you a realistic range of outcomes, not just a single number.
What Our Retirement Calculator Includes:
- 401(k) & IRA Projections - Track all your retirement accounts
- Social Security Optimizer - Find the best claiming strategy
- Inflation Adjustments - See your savings in today's dollars
- Tax Planning - Estimate your tax burden in retirement
- Safe Withdrawal Rate - Know how much you can spend
How Much Do You Need to Retire?
The general rule of thumb is to save 25 times your annual expenses (the 4% rule). However, this varies based on your retirement age, lifestyle, and risk tolerance.
| Annual Expenses | Target Savings (25x) |
|---|---|
| $40,000 | $1,000,000 |
| $60,000 | $1,500,000 |
| $80,000 | $2,000,000 |
| $100,000 | $2,500,000 |
Ready for a Complete Analysis?
Our quick calculator above gives you a basic estimate. For a comprehensive retirement plan with Monte Carlo simulations, Social Security optimization, and AI-powered insights, try the full RetirePro calculator—it's free.
No credit card required. Free forever.