Solutions

Retirement Calculator: How Much Do You Need to Retire?

A retirement calculator is one of the most useful tools available to anyone planning for retirement.

Total of 401(k), IRA, and other savings earmarked for retirement.

Amount you save for retirement each month across all accounts.

Estimated monthly spending in retirement before taxes (today’s dollars).

Pension, Social Security estimate, rental income, and similar sources.

Your results

Enter your details and click Calculate to see your projection.

What you’ll have
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What you’ll need
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Gap
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These results are hypothetical illustrations based on the assumptions you enter. They are for educational purposes only and are not investment, tax, or legal advice. Past performance does not guarantee future results. Consult a qualified professional before making financial decisions.

Moore Invested

What a Retirement Calculator Does

At its core, it estimates whether your savings will last through retirement. It weighs your current savings, future contributions, expected returns, and planned retirement age. Most calculators also ask for your monthly expenses and expected income in retirement. The results show whether you’re on track. They also reveal any gap between where you are and where you need to be. While online calculators provide a helpful starting point, they rely heavily on assumptions that may not reflect your actual situation, including inflation rates, healthcare costs, market performance, and Social Security income. A more reliable picture comes from working with a financial advisor who can model your specific numbers, test different scenarios, and build a plan around your actual goals. At Moore Invested, retirement readiness analysis is the foundation of every client relationship we build.