Free tool

Retirement Calculator

Project what your retirement savings could grow to, compare it to a rough target, and see the monthly contribution that closes the gap.

Projected at age 65
$1,104,741
Rough target
$1,250,000
Projected shortfall
$145,259

You may be about $145,259 short of covering $50,000/yr for 25 years. Increasing contributions or return assumptions narrows the gap.

This is a simplified, educational estimate — not financial advice. It does not model inflation, taxes, Social Security, or investment growth during retirement.

How to read your result

The projection compounds your current savings and monthly contributions to your retirement age. The rough target estimates what you would need to cover your desired income across your retirement years. The difference is your projected surplus or shortfall.

How OptiAI helps

OptiAI keeps your retirement goal alongside your net worth and other life goals, so you can revisit assumptions as life changes and ask an AI assistant how you are tracking — instead of redoing the math by hand.

Frequently asked questions

How much do I need to retire?

A common rough guide is enough invested to cover your desired annual income across your expected retirement years. This calculator gives a simplified estimate; your real number depends on inflation, taxes, Social Security, and returns.

What return should I assume?

Many people model a long-run average in the 5 to 7 percent range for a diversified portfolio, but past performance does not guarantee future results. Try a few assumptions to see the range.

Is this financial advice?

No. This is an educational estimate to help you think about the gap. For decisions, consult a qualified financial professional.

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