MyMoneyAnalytics

My Retirement Target Calculator

Estimate the portfolio target your retirement lifestyle points toward, then see the annual investing pace needed to close the gap.

Free calculator · Retirement target

Turn retirement spending into a target and contribution pace

Edit the example values, then calculate the retirement target, projected age, and long-range portfolio.

Assumptions

Target age 65 · $80,000 annual spending · 4% withdrawal rate
Retirement target
Needed at retirement 
Annual needed 
Projected portfolio 

Detailed results

Today-dollar target 
Contribution pace 
suggested
Projected retirement age 
71
Current progress
Current invested assets:
Years to retirement 30
8% funded todayRetirement target:
Withdrawal-rate scenarios

Conservative

3.5%

At retirement

Balanced

4%

At retirement

Flexible

4.5%

At retirement

Here's the portfolio target and contribution pace your assumptions point toward. Lower withdrawal rates create larger targets; higher fixed income, a longer timeline, or stronger current contributions can reduce the annual amount needed.

These tools are provided for educational purposes only and do not constitute financial, investment, tax, legal, or planning advice. Results are estimates based on the assumptions you provide, and actual outcomes may differ. Past performance is not indicative of future returns. Consider consulting a qualified professional before making financial decisions.

How to read this chart

Compare projected portfolio with the target portfolio while reading spending, reliable fixed income, and portfolio withdrawals as separate retirement cash-flow layers.

Blueprint Step 3

Supports these Blueprint lessons

Edit desired spending, fixed income, ages, and planning assumptions, then select Calculate to update the target and projection.

Step 3: Protection and retirement numbersLearn how spending, fixed income, inflation, and withdrawal rate shape the target.Step 7: HSA and IRAChoose tax buckets after defining the target.FIRE Quick ReferenceExplore early-retirement implications.

Try another calculator

Continue with a related money decision using the same example-first approach.

FIRE Calculator

Supports Blueprint Steps 3, 9, and 10: model the milestones and bridge years toward independence.

Roth vs. Traditional

Blueprint Step 7: compare tax timing, lifetime withdrawals, RMD pressure, and a mixed account strategy.

Turn your retirement target into a roadmap

Build a free My Money Plan to connect your retirement target with savings goals, investing priorities, debt payoff, and cash reserves. This calculator example is not transferred to your plan.

Build My Free Plan