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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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