Come usare Family Retirement Calculator (Pairs With Our Mortgage Calculator)
- Enter your current savings. Add up what's already in retirement accounts — 401(k)s, IRAs, brokerage — for both you and your partner if applicable.
- Set your monthly contribution. Include what you and your employer add each month. If you also use our 401k calculator, you can copy the same number over.
- Choose years until retirement. Pick the age you'd like to stop working and subtract your current age. Be honest — earlier targets mean bigger savings goals.
- Adjust expected return. A 6–7% average is a common starting point for a balanced portfolio. Lower it if you're more conservative.
- Review your nest egg and 4% income. We'll show your projected balance and the annual income it can safely produce using the 4% rule.
- Tweak and replan. Try different contributions or retirement ages to see how small family budget changes shift your future.