Stash Retirement Calculator

Are you on track for the future you want? Answer a few questions and our calculator will estimate how much you should save for your retirement goals.

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Current age
Retirement age
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Annual income
Total retirement savings
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Monthly retirement savings
I need
of my pre-retirement
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for spending in retirement.


Investment rate of return
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(Pre-retirement rate)
Investment rate of return
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(Post-retirement rate)
Rate of increase in annual salary
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Life expectancy
Inflation rate
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How much will I need in retirement?



You're on track
to have

You should plan
to have

You are currently saving



We recommend saving



It might seem like a big goal, but Stash can help you get there. Our retirement accounts are a great way to invest for the long run!

  • Roth and Traditional IRAs available

  • Start with just $5

  • Automated saving tools

  • Maximize potential tax savings


This material is provided for general and educational purposes only; it is not intended to provide legal, tax or investment advice.

Example is a hypothetical illustration of mathematical principles, and is not a prediction or projection of performance of an investment or investment strategy. All investments are subject to risk. We recommend that you consult an independent legal or financial advisor for specific advice about your individual situation. The tax information herein is not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding tax penalties. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor.


Let's get your retirement

savings on track.

Now that you've completed the Stash retirement calculator, we've put together some suggestions that could help you reach your retirement savings goal.


Increase your monthly savings

If it works for your budget, increasing your monthly savings could get you to your goal faster.

Additional resourcesNo Retirement Savings? You’re Not Alone. Here’s How You Can Fix It.Concerned About Your Retirement Savings? Tips on How You Can Catch Up


Delay your retirement

Delaying retirement—even by a few years—could greatly increase your savings potential.

Additional resourcesHow Much Do I Need to Retire By Age 65?The Average Retirement Savings by Age


Spend less in retirement.

Adjusting your retirement lifestyle to spend less money can help make your funds last longer.

Additional resourcesHow Much Money Do I Really Need to Retire?Believing These Retirement Myths Might Leave You in a Lot of Trouble

This recommendation relies entirely on the responses you’ve provided regarding your risk tolerance. Stash does not verify the completeness or accuracy of such information. Investing Involves risk, including possible loss of principal. There can be no assurance that the results of this retirement calculator will be successful. This information should not be relied upon as research, investment advice or Tax advice. This information is strictly for illustrative and educational purposes and is subject to change.


How does this retirement

calculator work?

The Stash retirement calculator can help estimate how much you should save for your retirement in order to maintain your ideal standard of living during your retired years.

Here’s how we calculate that number:

The Stash retirement calculator can help estimate how much you should save for your retirement in order to maintain your ideal standard of living during your retired years. Here’s how we calculate that number.

Your current age and the age you want to retire helps us determine how much time you have left to save. The longer you have, the more opportunity there is for your money to accumulate and grow over time.

We also need to know your current income, how much you’ve already saved for retirement in total, and how much you’re currently saving for retirement each month. This helps us determine the percentage of your income you’re saving every month, which we then use to calculate how much money you could accumulate by the time you retire. We assume your salary will grow by 2% per year, increasing your monthly retirement savings accordingly—though you can change that number based on your own projections!

We also assume that your portfolio of investments (stocks, bonds, and/or ETFs) will grow at a rate of 6% per year. You can adjust this projection as well.

Once you retire, you’ll have a nest egg that has grown based on the inputs and assumptions mentioned above. During your retirement, you’ll withdraw from this portfolio each year in order to meet your ongoing living expenses. Next, we’ll want to help you create a plan so you don’t outlive the money you’ve saved.

The typical rule of thumb is that you’ll need 70% of your pre-retirement income1 in order to live comfortably. We then make other assumptions that determine how quickly you’ll withdraw from your portfolio, like the rate of inflation (i.e., 3% per year), the growth rate of your portfolio in retirement (assumed to be a more modest 5%), and your life expectancy (assumed to be 90 years old). Remember that even though you’re withdrawing from your portfolio each year, you’re still continuing to invest what remains in your portfolio. The continued growth of your money can mean a lower possibility of running out of money in retirement.

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