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Retirement Calculator
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◄ Unhide rows 3-6 for a "Prepared By" header
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Plan Information
Retirement Needs
Retirement Calculator
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Current Age
25
Salary During Retirement (in today's dollars)
 50,000 By Vertex42.com
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Age at Retirement
65
Inflation-Adjusted Salary at Retirement
 163,102 © 2015-2020 Vertex42 LLC
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Years to Pay Out After Retire.
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Total Needed to Fund 100% of Retirement
 4,077,547
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Years to Invest Before Retire.
40
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Current Retirement Savings
More Financial Calculators
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Rates and Inflation
Current Retirement Savings Balance
 20,000
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Return Before Retirement
6.00%
Value of Current Savings at Retirement
 205,714 Notes
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Return After Retirement
3.00%
Value of Current Contributions at Retirement
 1,312,623 • Taxes and IRS Contribution Limits are NOT
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Annual Inflation
3.00%
factored into any of these calculations. For example,
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Other Retirement Income
this calculator does not take into account whether
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Salary
Age When Income Begins
65
contributions are pre-tax as in a traditional IRA or
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Current Annual Salary
 50,000
Initial Annual Amount
 0 post-tax as in a ROTH IRA.
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Annual Increase in Salary
2.00%
Annual Increase
2.80%
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Years of Retirement Income
 25
• Mandatory disbursements and other regulations
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Current Savings Contributions
Value of Other Income at Retirement
 0 are not accounted for.
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% of Salary Saved
10.00%
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Employer 401(k) Match
100.00%
Other Assets (Lump-sum Pension, Sellable Real Estate)
• Results are only rough estimates, largely because
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Max Employee % Contribution
3.00%
Value of Other Assets at Retirement
 0
of uncertainty in the rates of return, inflation, future
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My Annual Contribution
 5,000 .
salary, willpower to continue saving, unexpected life
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Employer's Annual Contribution
 1,500
Shortfall at Retirement
2,559,210 events, and other assumptions.
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Total Annual Contribution
 6,500
Years Payout Will Last Without Additional Savings
9.3
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.
Additional Annual Savings Needed
12,673
• By default, interest is compounded annually and the
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Total % of Salary to Save to Reach Goal
35.35%
payout is withdrawn at the beginning of the period.
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• This spreadsheet and its contents should not be
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construed as professional financial advice. It may not
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be suitable for your specific situation.
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Series 1
Goal: Saving 35.35% of Salary
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Series 2
Current: Saving 10% of Salary
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Payments Per Year
1
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Withdrawal Payment Type
1
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Table Based on 35.35% Salary Contribution Scenario
Note: Results are only estimates!
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YearAgeReturnSalary BasisAnnual ContributionEmployer MatchRetirement IncomePayout
(Withdrawal)		Est. Inv. ReturnBalance
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$ 20,000.00
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1256.00%50,00017,6731,500001,200.0040,373.00
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2266.00%51,00018,0261,530002,422.3862,351.84
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3276.00%52,02018,3871,561003,741.1186,040.54
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4286.00%53,06018,7551,592005,162.43111,549.51
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5296.00%54,12219,1301,624006,692.97138,995.95
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6306.00%55,20419,5121,656008,339.76168,504.24
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7316.00%56,30819,9031,6890010,110.25200,206.41
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8326.00%57,43420,3011,7230012,012.38234,242.54
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9336.00%58,58320,7071,7570014,054.55270,761.32
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10346.00%59,75521,1211,7930016,245.68309,920.51
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11356.00%60,95021,5431,8280018,595.23351,887.52
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12366.00%62,16921,9741,8650021,113.25396,839.98
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13376.00%63,41222,4141,9020023,810.40444,966.38
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14386.00%64,68022,8621,9400026,697.98496,466.68
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15396.00%65,97423,3191,9790029,788.00551,553.05
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16406.00%67,29323,7862,0190033,093.18610,450.56
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17416.00%68,63924,2612,0590036,627.03673,398.01
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18426.00%70,01224,7462,1000040,403.88740,648.72
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19436.00%71,41225,2412,1420044,438.92812,471.41
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20446.00%72,84125,7462,1850048,748.28889,151.13
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21456.00%74,29726,2612,2290053,349.07970,990.26
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22466.00%75,78326,7862,2730058,259.421,058,309.55
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23476.00%77,29927,3222,3190063,498.571,151,449.19
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24486.00%78,84527,8692,3650069,086.951,250,770.03
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25496.00%80,42228,4262,4130075,046.201,356,654.79
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26506.00%82,03028,9942,4610081,399.291,469,509.42
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27516.00%83,67129,5742,5100088,170.571,589,764.43
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28526.00%85,34430,1662,5600095,385.871,717,876.43
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29536.00%87,05130,7692,61200103,072.591,854,329.67
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30546.00%88,79231,3852,66400111,259.781,999,637.71
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31556.00%90,56832,0122,71700119,978.262,154,345.21
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32566.00%92,37932,6522,77100129,260.712,319,029.74
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33576.00%94,22733,3052,82700139,141.782,494,303.82
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34586.00%96,11233,9722,88300149,658.232,680,816.99
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35596.00%98,03434,6512,94100160,849.022,879,258.05
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36606.00%99,99435,3443,00000172,755.483,090,357.41
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37616.00%101,99436,0513,06000185,421.443,314,889.61
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38626.00%104,03436,7723,12100198,893.383,553,675.96
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39636.00%106,11537,5073,18300213,220.563,807,587.35
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40646.00%108,23738,2583,24700228,455.244,077,547.24
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41653.00%163,102000163,102117,433.364,031,878.71
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42663.00%167,995000167,995115,916.513,979,800.28
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43673.00%173,035000173,035114,202.963,920,968.45
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44683.00%178,226000178,226112,282.283,855,024.89
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45693.00%183,573000183,573110,143.573,781,595.84
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46703.00%189,080000189,080107,775.483,700,291.53
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47713.00%194,752000194,752105,166.183,610,705.53
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48723.00%200,595000200,595102,303.323,512,414.10
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49733.00%206,613000206,61399,174.053,404,975.55
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50743.00%212,811000212,81195,764.943,287,929.51
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51753.00%219,195000219,19592,062.033,160,796.24
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52763.00%225,771000225,77188,050.753,023,075.83
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53773.00%232,544000232,54483,715.952,874,247.48
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54783.00%239,521000239,52179,041.812,713,768.67
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55793.00%246,706000246,70674,011.872,541,074.30
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56803.00%254,107000254,10768,609.012,355,575.87
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57813.00%261,731000261,73162,815.362,156,660.58