Retirement Readiness
Projected nest egg
$2,086,372.93
Target nest egg
$2,715,175.03
Funding gap
$628,802.10
Coast FIRE age
Not reached
- Current plan does not fully fund target retirement spending under these assumptions.
Retirement
Retirement Savings Calculator
Project retirement readiness with inflation-aware targets, coast-FIRE checkpoints, and contribution-gap analysis.
Target Bands
Conservative, baseline, and stretch retirement targets
Conservative target
$2,307,898.78
Baseline target
$2,715,175.03
Stretch target
$3,122,451.28
Portfolio Trajectory
Projected balance vs inflation-adjusted balance
Age 33Age 47Age 60
Projected balance
$2,086,372.93
Inflation-adjusted
$1,071,143.30
Income Coverage View
What the portfolio can fund at selected withdrawal rate
Portfolio-funded annual income
$83,454.92
Barista income still needed
$25,152.08
Required annual contribution
$26,442.13
How to use it
- Enter current age, retirement age, current savings, annual contributions, expected return, inflation, desired retirement spending, and Social Security or pension income using today's dollars. Include employer match only if it is likely to continue.
- Read projected nest egg versus target nest egg and focus on the contribution gap. The target is usually driven by the spending gap you need the portfolio to cover, divided by the withdrawal rate.
- If the projected nest egg is more than about 15% below target, you probably need a higher savings rate, lower planned spending, or a later retirement age. A 70%-80% income-replacement shortcut is less reliable than using real spending.
- Raise contributions by 1%-2% of salary, delay retirement by a year, or lower planned spending and compare which lever moves the gap fastest. Then use the Roth vs Traditional IRA calculator or 401k match optimizer to direct new contributions efficiently.
- Re-run annually and after salary, market, or Social Security estimate changes. Track projected gap, retirement age, and expected withdrawal rate together.
AI Integrations
Contract, discovery endpoints, and developer notes for agent use.
Always available for agents
AI Integrations
Contract, discovery endpoints, and developer notes for agent use.
Tool contract JSON
https://aifinhub.io/contracts/retirement-calculator.jsonStable input and output contract for this exact tool.
Human review
People can use the browser page to sense-check outputs and charts, but agents should still execute against the contract and discovery endpoints.
- /agent-tools.json - machine-readable tool index.
- /llms.txt - human-readable model discovery guide.
- /.well-known/webmcp.json - WebMCP capabilities manifest.
- /.well-known/ai-plugin.json - plugin-style discovery manifest.
{
"tool": "retirement_savings",
"current_age": 33,
"retirement_age": 60,
"current_savings": 120000,
"annual_contribution": 18000,
"annual_return_percent": 7,
"annual_inflation_percent": 2.5,
"desired_annual_spending": 65000,
"social_security_annual": 18000,
"withdrawal_rate_percent": 4
} Expand developer notes
Agent playbook
- Resolve Retirement Savings Calculator from /agent-tools.json and open its contract before execution.
- Validate inputs against the contract schema instead of scraping labels from the page UI.
- Open the browser page only when a person wants to review charts, assumptions, or related tools.
Agent FAQ
Should ChatGPT, Claude, or another agent click through the UI?
No. Start with /agent-tools.json, then follow the tool's contract URL. The page UI is for human review, not parameter discovery.
When do tools show Quick and Advanced?
Every tool opens in Quick Start first. Advanced Controls keeps the same scenario, reveals more assumptions or diagnostics, and every tool keeps AI integrations inline below the instructions.
When should an agent still open the browser page?
Open it when a human wants to sense-check the output, review the chart, or keep exploring related tools after the calculation finishes.
Questions people usually ask
How much do I need to retire?
The 4% rule (Trinity Study) suggests you can withdraw 4% of your portfolio annually with 95%+ probability of not running out over 30 years. To replace $50,000/year in income: $50,000 ÷ 0.04 = $1,250,000. However, 4% was calibrated for 30-year retirements — for 40+ year retirements or conservative investors, 3-3.5% is safer.
Am I saving enough for retirement?
Fidelity benchmarks by age: save 1× your salary by 30, 3× by 40, 6× by 50, 8× by 60, 10× by 67. These assume starting saving at 25 and retiring at 67. If behind, the most powerful lever is increasing savings rate — going from 10% to 20% of income effectively halves your working years.
Does Social Security change how much I need to save?
Yes materially. If Social Security replaces $20,000/year of your $70,000 retirement income need, you only need to fund $50,000/year from savings — requiring $1.25M at 4% withdrawal rather than $1.75M. Use ssa.gov to check your estimated benefit. Delaying Social Security from 62 to 70 increases the benefit by approximately 77%.
Related Resources
Learn the decision before you act
Every link here is tied directly to Retirement Savings Calculator. Use the explanation, formula, examples, and benchmarks to pressure-test the calculator output from first principles.
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