Retirement Planner
Plan for a comfortable retirement with our comprehensive calculator. See if you're on track and get personalized recommendations.
Financial experts recommend saving 10-15% of your income for retirement. The earlier you start, the more compound interest works in your favor.
Your Information
Most retirees need 70-90% of pre-retirement income
Savings & Investments
Historical stock market average is ~10%
Average benefit is ~$1,800/month
Retirement Projection
You need to increase your savings. Current shortfall: $1,169,226.
Action Plan
Increase Monthly Savings
Add $705 per month to reach your goal.
New total: $1,205/month
Other Options:
- • Work 2-3 years longer
- • Reduce retirement income target
- • Increase investment returns
- • Maximize employer 401(k) match
Age 30 Milestone
Retirement Savings Milestones
These milestones are based on your current income of $75,000
Retirement Planning Tips
Start Early
Time is your greatest asset. Starting at 25 vs 35 can mean hundreds of thousands more in retirement.
Maximize Employer Match
Always contribute enough to get your full employer 401(k) match. It's free money with immediate 100% return.
Increase Contributions
Increase your contribution rate by 1% each year or whenever you get a raise.
Diversify Investments
Use low-cost index funds and target-date funds for broad market exposure and automatic rebalancing.
Consider Roth Options
Roth 401(k) and IRA contributions provide tax-free growth and withdrawals in retirement.
Plan for Healthcare
Healthcare costs can be significant in retirement. Consider HSAs and long-term care insurance.
Ready to Optimize Your Retirement Plan?
Get personalized retirement planning advice from Warren AI. We'll help you create a comprehensive strategy to reach your retirement goals.