Qudexa

Retirement Calculator

Find out if you're on track to retire comfortably — and how much you need.

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Your Retirement Plan

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years
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$
$
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⚠ Retirement Gap Detected

$1,584,714

Years to retire 30Retirement length 25 yrsMonthly at retire $7,482
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Nest Egg Sources

Monthly$1,584,714
Current Savings5%
Future Contributions18%
Investment Growth77%
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Retirement Readiness

Savings at Retirement$1,584,714
Social Security (total)$901,765
Total Needed$4,263,069
Shortfall$1,776,590
4% Safe Withdrawal /mo$5,282
Target Retirement Income$59,500/mo
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Your Savings Growth

How your nest egg grows over time

$75,000
$106,780
$143,321
$185,337
$233,646
$289,192
$353,060
$426,495
$510,932
$608,017
$719,647
$847,999
$995,579
$1,165,268
$1,360,377
$1,584,714
Age 35
Age 37
Age 39
Age 41
Age 43
Age 45
Age 47
Age 49
Age 51
Age 53
Age 55
Age 57
Age 59
Age 61
Age 63
Age 65
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What You Can Do

  • ✓ Increase monthly contributions — even $100 more adds up to 6 figures
  • ✓ Delay retirement by 2-3 years for a substantially larger nest egg
  • ✓ Max out 401(k) ($23,500 in 2026) and IRA ($7,000) each year
  • ✓ Claim Social Security at 70 for ~24% higher monthly benefit
  • ✓ Consider a Health Savings Account (HSA) as a stealth retirement account

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About this calculator

Find out if you're on track for a comfortable retirement. Our retirement calculator projects your total nest egg at retirement by combining your current savings, monthly contributions, employer match, Social Security benefits, and expected investment returns. It then compares that against your target retirement income — typically 70–80% of your pre-retirement salary — and shows whether you'll have a surplus or shortfall. Includes 2026 Social Security estimates, the 4% safe withdrawal rule, and inflation-adjusted spending needs. Perfect for US workers aged 30–60 planning their retirement date, savings rate, and lifestyle. Adjust any input to see how small changes compound into life-changing differences over decades.

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