Getting Started

Everything you need to know to get an accurate retirement projection in under 2 minutes.

How It Works

  1. Enter your current age and the age you plan to retire.
  2. Provide your annual income, expected raise rate, and current retirement savings.
  3. Set the percentage of income you contribute to retirement each year.
  4. Specify your expected annual spending in retirement (in today's dollars).
  5. Enter how many years you expect to spend in retirement and the expected inflation rate.
  6. Hit Calculate. RetireMINT runs the numbers and shows your savings trajectory, monthly income projection, and whether you're on track.

What You'll Need

Current & Retirement Age

Your age today and the age you plan to stop working. This determines your accumulation window.

Income & Raise Rate

Your household income before taxes, and the yearly percentage you expect it to grow (2-4% is typical).

Current Savings & Contribution Rate

How much you've already saved for retirement and what percentage of income you'll save each year going forward.

Retirement Spending

Your estimated annual expenses in retirement, in today's dollars. RetireMINT inflation-adjusts this to your retirement date.

Years in Retirement

How long you plan to draw from your savings. 25-30 years is a common estimate for someone retiring at 65.

Inflation Rate

The annual rate at which prices rise. The U.S. long-run average is around 2.5-3%.

Understanding Your Results

Projected at Retirement

The total value of your portfolio on the day you retire, based on your contributions compounding at the live U.S. Treasury rate.

Savings Target

The nest egg needed to sustain your spending throughout retirement, calculated using the Present Value of a Growing Annuity formula (accounts for inflation and portfolio growth during drawdown).

Monthly Income

Two views: your target monthly spending in today's dollars, and the sustainable monthly withdrawal suggested by the 4% rule applied to your projected portfolio.

Savings Growth Chart

A year by year view of your portfolio growing from today to retirement, plotted against your savings target.

Ready to plan?

Open the calculator and fill in your details, it only takes a minute.

Open the Calculator