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Savings calculator
Estimate a financial-independence portfolio target, funding gap, progress, and time to goal from spending and a chosen withdrawal rate.
How to read these results
These values are calculated from your current inputs. Check the input units and this calculator’s stated assumptions or included scope alongside the results.
Primary result: Target portfolio
Supporting value: Current funding gap
Use the result for your next decision
Compare the primary result with your target or another option, then change only the conditions you want to test and recalculate. Before acting, also check the calculator-specific guidance and applicable conditions.
Keep up to three calculated result snapshots only for this page session and compare them with the current result. Inputs, URLs, and browser storage are not used.
Shares only the calculator name and displayed result summary. Inputs and URLs are not included or stored.
Uses your browser’s print feature without uploading or automatically saving your inputs or results.
The withdrawal rate and return are assumptions. Taxes, fees, inflation, return volatility, and retirement length can materially change the required portfolio.
The target portfolio equals estimated annual spending divided by the selected annual withdrawal rate. Time to target compounds the current portfolio at the entered annual return converted to a monthly rate and adds the monthly contribution for up to 100 years.
A rule of thumb such as 4% is not a guaranteed return or a universally safe withdrawal rate. Consider retirement horizon, asset allocation, inflation, taxes, sequence risk, and other income sources.