Find Out How Much to Invest to Retire Comfortably
Want to retire with a specific income? This calculator shows you exactly how much you need to invest each month to hit your retirement income goal — adjusted for inflation and investment returns.
Whether you’re just starting to save or playing catch-up, this tool helps you reverse-engineer a plan that works.
Got a target? Now build a smart portfolio to get there. Try the Portfolio Allocator.
How It Works
Just enter:
- Your current age and desired retirement age
- The annual income you want in retirement (this of this as purchasing power).
- Your current total investments
- An expected annual rate of return (inflation-adjusted)
The calculator tells you how much you’ll need to invest monthly to reach that goal — assuming your savings continue to grow over time.
What You’ll Learn
- The exact monthly investment required to fund your future income
- How different investment return scenarios change the required savings
- How close you are to reaching your retirement goal
- Whether your current savings are on track — or need a boost
Example
Let’s say you’re 30, have $20,000 saved, and want $40,000/year in retirement starting at age 67.
If your portfolio earns a moderate 5% real return, you’ll need to invest $686 per month to hit your goal.
The calculator makes this planning simple — and lets you adjust for different market conditions.
Who Should Use This
This tool is perfect for:
- People in their 20s, 30s, or 40s who want to retire on their terms
- DIY investors and FIRE movement followers
- Anyone trying to translate retirement goals into monthly action
Disclaimer
This tool is for educational purposes only and should not be considered financial advice. Results are estimates based on your inputs and may vary with market conditions and personal circumstances.
Not Sure What to Do Next?
Most people aren’t behind because they’re lazy — they’ve just never had a real system.
The Smart Money Blueprint shows you the 5 simple moves to go from uncertainty to retirement-ready.