Retirement Calculator
See if you are on track for retirement with live CPI inflation data from the Federal Reserve pre-filled automatically.
Inflation data sourced from FRED® API — Updated: April 4, 2026
Your Retirement Profile
Historical S&P 500 average: ~7% inflation-adjusted
Fed target: 2.0% — current CPI data pre-filled above
Check ssa.gov for your estimate. Enter 0 to exclude.
You are on track — savings last all 30 years
At retirement you will have $1,015,810 which generates $3,386/month using the 4% rule.
At Retirement
$1.02M
Monthly Income
$5,186
Years to Retire
30
Savings Last
30 yrs
Savings Breakdown at Retirement
Estimated Monthly Retirement Income
Savings Milestones
| Age | Balance | Inflation-Adjusted | Total Contributed | Growth |
|---|---|---|---|---|
| 40 | $107K | $86K | $80K | $27K |
| 45 | $187K | $120K | $110K | $77K |
| 50 | $301K | $155K | $140K | $161K |
| 55 | $462K | $192K | $170K | $292K |
| 60 | $691K | $230K | $200K | $491K |
| 65RETIRE | $1.02M | $271K | $230K | $786K |
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Frequently Asked Questions
How much money do I need to retire?
The most widely used guideline is the 4% rule — you need 25 times your annual expenses saved at retirement. If you plan to spend $60,000 per year, you need $1,500,000. However this varies based on your lifestyle, health costs, Social Security income, and other factors. Use the calculator above to model your specific situation.
What is the 4% rule for retirement?
The 4% rule states that you can withdraw 4% of your portfolio in year one of retirement, then adjust that amount for inflation each year, and historically your portfolio has a high probability of lasting 30 years. It was derived from the Trinity Study analyzing historical stock and bond returns. This calculator uses the 4% rule to project your retirement income.
What is the current inflation rate?
The current CPI index value is 327.46 as of April 4, 2026, sourced from the Bureau of Labor Statistics via the Federal Reserve FRED® API. For retirement planning purposes, most financial planners recommend using 2-3% as your expected future inflation rate, which aligns with the Federal Reserve's long-term target of 2%.
How much should I save for retirement each month?
A common starting guideline is 15% of your gross income, including any employer 401k match. However the right number depends on your age — the later you start, the more you need to save. Use the age sliders above to see how starting earlier dramatically reduces your required monthly contribution thanks to compound growth.
How does inflation affect my retirement?
Inflation is one of the biggest risks in retirement planning. At 3% annual inflation, your purchasing power is cut in half roughly every 24 years. A retirement that looks comfortable in nominal dollars may be significantly less comfortable in real terms. Toggle between nominal and inflation-adjusted values in the chart above to see the real impact on your savings.
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