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This retirement calculator helps you determine how much you can save for your retirement and the likelihood of how long your retirement savings will last based on what you currently have saved and how much you plan to contribute each year. By changing the various inputs such as "Annual Contributions," "Asset Allocation," or "Annual Expenses," you can gauge the length of time that your assets may last during retirement.

 
30
Current Age
30
Duration
30
Retirement
Your Results

Based on your retirement savings plan with a Moderate investment asset allocation; to retire at age 65 with annual expenses in today's dollars of $75,000, your plan is projected to be on track in meeting your retirement goals. The average ending total balance of your retirement portfolio is projected to be $14,469,359.

 
Your Current Information
Annual Contributions
Tax-Deferred(Trad. IRA or 401k)
$5,500
Taxable(Brokerage Account)
$54,000

Tax-Free(Roth IRA or Roth 401k)
$5,500

Current Retirement Savings
Tax-Deferred(Trad. IRA or 401k)
$10,000
Taxable(Brokerage Account)
$100,000

Tax-Free(Roth IRA or Roth 401k)
$10,000
Current Investment Asset Allocation
 
Conservative Balanced Moderate Growth Growth Aggressive
Income Tax Rate (Federal & State)
15%
Investment Tax Rate
15%

Your Retirement
Annual Expenses During Retirement (Today’s $)
$75,000
Additional Annual Revenue During Retirement Optional
Social Security
$
Part-time Income
$
Other
$
 
What You May Want To Do
To increase the likelihood of staying on track, it might help to take these additional steps:
  • Increase your annual savings
  • Retire later
  • Reduce the amount you need during retirement
  • When you retire, supplement your income with part-time work
  • Put more assets into your retirement (e.g., downsize your house)
For details on criteria, calculations, limitations and assumptions used, please see:

Calculations & Assumptions
Need help? View IRS Tax Table
This calculator is for informational purposes only and should not be considered investment advice. Scottrade is not responsible for the consequences of any decisions or actions taken as a result of information provided by this tool. Scottrade is not responsible for any human or mechanical errors or omissions. Please consult a tax, legal, or financial advisor with questions regarding your investment objectives and personal tax or financial situation.

IMPORTANT: The projections or other information generated by the Retirement Calculator calculator regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.
The information and content provided in the Scottrade® Knowledge Center is for informational and/or educational purposes only. The information presented or discussed is not, and should not be considered, a recommendation or an offer of, or solicitation of an offer by, Scottrade or its affiliates to buy, sell or hold any security or other financial product or an endorsement or affirmation of any specific investment strategy. You are fully responsible for your investment decisions. Your choice to engage in a particular investment or investment strategy should be based solely on your own research and evaluation of the risks involved, your financial circumstances and your investment objectives. Scottrade, Inc. and its affiliates are not offering or providing, and will not offer or provide, any advice, opinion or recommendation of the suitability, value or profitability of any particular investment or investment strategy.