Am I on track
for retirement?
A quick, honest answer. Enter your age, current savings, monthly contribution, and target retirement age. Get a clear yes, almost, or no, with what to do about each.
The question it answersAm I on track to retire based on my age and savings?
Rules: United States. Privacy: runs in your browser. What you enter stays on your device unless you copy a share link, which puts your inputs in the link.
Looking for something close? Retirement Success Rate: how a spending plan would have fared through every historical market sequence since 1928. Bitcoin Retirement Planner: retirement savings with and without a Bitcoin allocation, under bear, base and bull scenarios.
Find your actual SS estimate at ssa.gov/myaccount ↗.
Using 4% withdrawal rate and 2.5% inflationinflationA general increase in prices over time, meaning each dollar buys less than it did before.Full definition assumption. Model does not adjust for taxes on retirement withdrawals; for precise modeling use Tax Estimator and FIRE Calculator.
Projection, not a promise. The result follows the assumptions you enter. Real results will differ, sometimes by a lot.
What this tool assumes
- Fidelity retirement-benchmark rule of thumb: 1x salary at 30, 3x at 40, 6x at 50, 8x at 60, 10x at 67.
- Your income target is grown to retirement age at a fixed 2.5%/yr, a long-run planning assumption (close to the ~2.6% CPIConsumer Price Index (CPI)The government's measure of how much a typical basket of consumer goods costs over time.Full definition average of the last 30 years). It deliberately does not track the latest CPI print (3.35% for the 12 months through August 2026): a projection spanning decades shouldn't re-anchor to one year's print. If inflation runs at the current rate instead, your target grows faster; stress-test that in the FIRE Calculator.
- Assumes constant nominal return until retirement.
- Employer match is added to annual contributions.
Not financial advice. Projections assume constant returns and contributions.
HOW THIS IS CALCULATED
This tool runs entirely in your browser: no data is sent to any server. The assumptions and default values behind the result are listed under “What this tool assumes” on this page. Verify the methodology or inspect the source code in your browser's dev tools.
Where to go from here
Calculators are educational estimates, not financial advice. Disclosures · How pages are reviewed