AI Retirement Calculator USA
Plan Your Retirement with AI Precision
Calculate how much you need to retire comfortably based on your income, savings, and investments
Basic Info
Savings & Investments
Retirement Goals
Your Retirement Plan Results
Retirement Savings Goal
$1,850,000
Projected Savings at Retirement
$1,250,000
Monthly Retirement Income
$4,167
Your Progress
68%
Based on your inputs, we recommend increasing your monthly contributions to meet your retirement goals.
Retirement Planning Guidelines
10% Rule
Save 10% to 15% of your pre-tax income per year during your working years.
80% Rule
Plan for 70% to 80% of your pre-retirement income to maintain your standard of living after retirement.
4% Rule
Divide your desired annual retirement income by 4% to determine the nest egg required.
Common Sources of Retirement Funds
- Social Security – Designed to replace about 40% of the average worker’s wages
- 401(k), 403(b), 457 Plans – Employer-sponsored retirement plans with potential matching
- IRA and Roth IRA – Individual retirement accounts with tax advantages
- Pension Plans – Employer-funded retirement plans (less common today)
- Investments and CDs – Stocks, bonds, mutual funds, and certificates of deposit
- Personal Savings – Traditional savings and money market accounts
Frequently Asked Questions
How does inflation affect retirement savings?
Inflation erodes the purchasing power of money over time. With an average inflation rate of 2.6% in the US over the past 30 years, the value of money decreases significantly over long periods. This is why it’s important to consider inflation when planning for retirement and to invest in assets that typically outpace inflation.
What is the 4% rule?
The 4% rule is a common retirement planning guideline that suggests you can withdraw 4% of your retirement savings annually without running out of money. For example, if you have $1 million saved, you could withdraw $40,000 in your first year of retirement, adjusting for inflation each subsequent year.
How much should I have saved by age?
A common guideline is to have saved:
- 1x your annual salary by age 30
- 3x your annual salary by age 40
- 6x your annual salary by age 50
- 8x your annual salary by age 60
- 10x your annual salary by age 67
Additional Retirement Resources
Explore our collection of retirement planning tools, articles, and guides to help you prepare for a secure retirement.