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Retirement Savings Calculator

Use this savings calculator to estimate how much you can save by reducing spending, and see what that savings could look like at retirement. Create your own list to reflect your unique spending activity.


Rate of Return

From 1970 through 2010, the S&P 500 Index has returned an average of 6.6% annually. During the same time period, the Dow Jones Industrial Average returned an average of 6.7% annually.

Source: Yahoo! Finance. Past performance is no guarantee of future results. You cannot invest directly in an index.

Ways to Save

Use our sample savings categories or enter your own ways to save. The "Clear All" button deletes the current entries and the "Reset" button returns to the examples.

Monthly Savings

Enter the amount you could save each month for each category.

Value at Retirement

The pre-tax amount you could accumulate from now until you retire, by investing your savings each year earning the rate of return you selected.