You are probably wondering what it takes to retire. The calculator below doesn’t replace sound financial planning and investment advice; please see disclosures below for additional information. Use this as an estimate to determine if you are on track or not.
This illustration is hypothetical and does not represent the return on any particular investment. All investing is subject to risk, including the possible loss of the money you invest.
This interactive calculator is made available to you as an educational tool for your independent use and is not intended to provide financial planning or investment advice. All results are hypothetical and for illustrative purposes only. We cannot and do not guarantee the accuracy of the results nor their applicability to your individual circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Market return before retirement
This is the annual rate of return you expect from your retirement savings and investments before taxes.
Market return post-retirement*
This is the annual rate of return you expect from your investments during retirement. It is often lower than the return earned before retirement due to more conservative investment choices to help ensure a steady flow of income.
Actual rates of return are dependent on the types of investments you select. It is important to remember that these scenarios are hypothetical, that future rates of return cannot be predicted with certainty, and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments, and your return will be affected by sales charges and other fees that separate account asset managers and/or investment companies may charge. These hypothetical scenarios do not take into account your current marginal tax rate, your expected marginal tax rate after retirement, nor do they account for inflation.
All input and results are expressed as current dollars.