Retirement Optimizer


Retirement financial baseline
(do not use commas in the $ figures)

In today's dollars, estimate your annual retirement expenses.

(Financial planners generally estimate you'll need 70% of your pre-retirement income.)
$
     
Annual amount expected from pension and social security. $
     
Amount needed annually in retirement from personal savings: $


Retirement savings goal


Select your target retirement age and enter the factor from the table below:

Retirement Age 55 60 62 65 67 70
Factor 21.5 19.6 18.8 17.4 16.4 14.9

Enter a factor from the table above:  
Amount you need to have saved by retirement age: $


Projected value of current savings


Amount already saved, including IRAs, 401(k), and other investments. $

Select the number of years until retirement and enter the factor from the table below.   


Years until retirement: 5 10 15 20 25 30
Factor: 1.2 1.5 1.8 2.2 2.7 3.2

Enter a factor from the table above:  
Estimated value of current savings. $


Additional savings required


Amount needed in addition to current savings. $

Select the number of years until retirement and enter the factor from the table below.


Years until retirement: 5 10 15 20 25 30
Factor: .184 .083 .050 .034 .024 .018

Enter a factor from the table above:  
Amount you need to save each year to reach your goal: $

Back to Financial Planning Guide

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