Know your retirement number.
Understand whether your retirement plan is on track,what you may need to save, and how Social Security could change the picture.
Settings
App info and controls
Privacy+
This site does not require an account, name, email address, username, password, or public profile to use the tools.
Calculator entries may be saved only in this browser so you can return on the same device and update them.
PDF downloads are free and do not require an email address. Optional email delivery remains separate from the free download.
This site is not designed to sell personal data. Use Clear saved data at any time to remove saved calculator information from this browser.
About+
How This Site Works
Retirement planning can turn into a pile of separate questions very quickly: how much do I need to save, when should I take Social Security, what does sequence-of-returns risk actually mean for me, and can I afford to retire on what I have?
This site was built to make those questions easier to face with plain-English, mobile-friendly decision support.
The goal is not to replace a financial advisor, tax professional, or Social Security specialist. The goal is to help you see your retirement picture more clearly before making an important decision.
Tools+
Choose a calculator mode — Quick Answer, Detailed Analysis, or Comprehensive Plan — enter the numbers you know, and tap Calculate.
Calculation details
Each mode uses the information you enter, visible assumptions, and deterministic calculations. Risk flags and plain-English explanations highlight what matters most.
Quick Answer keeps inputs short. Detailed Analysis and Comprehensive Plan reveal more variables and more nuance.
Results are estimates. They depend on the inputs, assumptions, and missing details shown in the result.
The Download PDF Report button creates a report from the last calculated result where available.
Shared Journeys+
Shared Journeys adds a human layer to calculators and articles by showing realistic experiences, tradeoffs, and lessons from people facing similar decisions.
Open Shared JourneysComplete PDF Report+
The calculator results are free to view on this site.
The optional PDF is a convenience export for users who want to save, print, or share their calculation. It is educational, not professional advice.
The PDF report may include the selected tool, information entered, key numbers, assumptions, risk flags, confidence indicators, plain-English explanation, and the educational disclaimer.
Click Calculate first so the PDF matches the most recent result shown on the page.
Ads are not included in the PDF report.
Disclaimer+
MyRetireNumber.com is an educational calculator and decision-support site. It does not provide financial, investment, tax, legal, Social Security, Medicare, insurance, retirement planning, or professional advice.
Results are estimates based on the information entered and assumptions shown. Outcomes depend on personal circumstances, market conditions, applicable rules, timing, and future events that cannot be predicted.
Read full disclaimerCommon Questions+
Is this financial or investment advice?+
No. MyRetireNumber.com is an educational calculator and decision-support site. It does not provide financial, investment, tax, legal, Social Security, Medicare, insurance, or retirement planning advice.
Do I need an account?+
No. The tools do not require an account, username, password, email address, or profile.
Why do the results show assumptions?+
Retirement planning depends on assumptions like return rates, inflation, Social Security timing, healthcare costs, and spending in retirement. Showing assumptions makes the result easier to question and update.
Can I export my result?+
Yes. The calculator includes a free PDF export so you can save, print, or share your result.
What is Shared Journeys?+
Shared Journeys is a plain-English collection of retirement planning experiences people might recognize. It is educational context, not advice.
Methodology
How the Engines Work
Last updated: July 2, 2026
The retirement readiness engine estimates years until retirement, annual spending, Social Security income, portfolio income gap, required nest egg, projected savings, and any surplus or shortfall.
The savings engine estimates future value of current savings, future value of monthly contributions, target amount, shortfall or surplus, monthly savings needed, and the percentage of salary required when salary is entered.
The Social Security engine compares user-entered estimates at age 62, full retirement age, and age 70. It estimates annual and cumulative benefits, rough break-even ages, and bridge-income needs if the user retires before claiming.
Confidence is reduced when important inputs are missing or uncertain. Stability is reduced when the plan has little margin, relies on high returns, starts early, or has high fixed obligations.
Investment discussion is limited to educational categories and broad allocation concepts. The site does not recommend buying specific funds or securities.
This methodology is intentionally transparent. It is built for planning clarity, not financial, investment, tax, legal, Social Security, Medicare, insurance, retirement planning, or professional advice.