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BigFunApp

Retirement Calculator

Plan your financial future with personalized projections

Your Retirement Plan

years
years
years
$/year
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% of current income
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$/month
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% of income

How to Use This Retirement Calculator

This retirement calculator helps you estimate how much you need to save to maintain your desired lifestyle in retirement. Here's how to get the most accurate results:

Key Inputs Explained

  • Current Age to Retirement Age: The number of years you have to save
  • Income Needed in Retirement: Most people need 70-80% of their pre-retirement income
  • Investment Return: Historical stock market average is ~7% after inflation
  • Savings Rate: Financial experts recommend saving 10-15% of income

Common Retirement Questions

How much do I need to retire at 65?

A common rule of thumb is to have 10-12 times your final salary saved, but this calculator gives you a personalized number based on your specific situation.

What if I have a pension or Social Security?

Include those amounts in the "Other retirement income" field to see how they reduce your required savings.

Retirement Planning Tips

Boost Your Retirement Savings

  1. Take full advantage of employer 401(k) matching
  2. Increase savings by 1% each year until you reach 15%
  3. Consider Roth IRAs for tax-free growth
  4. Delay Social Security to increase benefits
  5. Reduce investment fees that eat into returns

Pro Tip: If you're behind on savings, consider working just 2-3 years longer. This gives more time to save and reduces the number of retirement years to fund.

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