Retirement Savings Calculator

Common benchmarks by age: 1× salary by 30, 3× by 40, 6× by 50, 8× by 60, 10× by 67. These assume you want to replace about 80% of pre-retirement income and retire at 67.

Increase contributions (even small amounts help), take advantage of catch-up contributions after 50, delay retirement by a few years (each year adds savings AND shortens the withdrawal period), and ensure your investments match your timeline.

A common rule is 80% of pre-retirement income. But it depends on your plans: paid-off mortgage reduces needs, while travel increases them. Calculate your expected expenses rather than using a generic percentage.