Retirement Fund Calculator for Calculating Savings Needed

Retirement Fund Calculator Sign

This comprehensive online Retirement Fund Calculator will calculate how much you need to be saving each month to fully fund your retirement plan.

The calculator includes options for factoring in inflation, taxes, up to three post-retirement incomes, and up to 4 one-time contributions (sale of your home, etc.).

You can also print out printer-friendly retirement planning reports for any number of what-if scenarios.

If you would prefer a simpler calculator that does not attempt to account for inflation and taxes, please use the Retirement Saving Calculator.

Or, if you prefer to use a calculator that does account for inflation, but is less comprehensive than the one on this page, you may want to refer to the Retirement Income Calculator.

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Retirement Fund Calculator

Formulate a comprehensive retirement plan, accounting for inflation, taxes, post-retirement incomes, one-time contributions, and more!

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Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Retirement Needs
Basic Fund Variables
Lump Sum ContributionsLump Sum ContributionsLump Sum Contributions (Sale of Home, etc.)Lump Sum Contributions (Sale of Home, Inheritance, etc.)
Post-Retirement IncomePost-Retirement IncomePost-Retirement Income (SSI, Pension, Wages, etc.)Post-Retirement Income (Social Security, Pension, Wages, etc.)
Retirement Fund Forecast

Retirement Fund Forecast:

The fields in this section are all computed fields. Each time you make a change to any fields in the top section of the calculator, you will need to tap the Calculate Retirement Fund button to repopulate the fields in this section.

Savings need:Savings needed:Savings needed when you retire:Savings needed when you retire:

Savings needed when you retire:

This is the amount you will need to have saved by retirement age in order to fund your retirement plan.

Retire fund:Retirement savings:Retirement savings based on your entries:Retirement savings based on your entries:

Retirement savings based on your entries:

Based on your current savings, current contributions and expected annual return on your retirement investments, this is how much you will have saved by retirement age.

Surp/-short:Surplus/-shortfall:Estimated savings surplus/-shortfall:Estimated savings surplus/-shortfall:

Estimated savings surplus/-shortfall:

This is the difference between how much you will need to have saved and how much you will have saved based on your present entries. A positive number represents a surplus, whereas a negative number represents a shortfall.

Increase req:Increase needed:Monthly saving increase needed:Monthly saving increase needed for fully funded plan:

Monthly saving increase needed for fully funded plan:

If your retirement plan shows a shortfall, this is the additional monthly contribution you will need to start making now in order to fully fund your retirement plan.

Crnt monthly:Crnt monthly save:Current monthly contribution amount:Current monthly contribution amount:

Current monthly contribution amount:

This is your current monthly contributions.

Tot required:Total required:Total monthly savings required:Total monthly savings required for fully funded plan:

Total monthly savings required for fully funded plan:

This is the total monthly contributions you need to start making now in order to fully fund your plan.

If you would like to save the current entries to the secure online database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Help and Tools

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.