Step 1

Retirement Calculator

We’ll give you recommendations on how to adjust your retirement savings strategy.

Calculate your financial needs for retirement.

Answer a few questions about yourself.


I want to retire at age

Annual pre-tax income

Current savings

Monthly contribution

How much will you need to
retire at age 64?

Based on our calculator, your financial needs for retirement are higher than your retirement savings will be at age 64.

Your savings will cover 72% of your needs.

You will have

You will need

Step 2

Let’s get you on track.


Increase your monthly savings account.

If there’s any wiggle room in your budget, bumping up your monthly contribution is a great way to get the future you want, faster.

Additional resources

Delay your retirement.

If you delay your retirement, even for just a few years, you could see a significant increase in your retirement savings potential.

Additional resources

Spend less in retirement.

Although your ideal retirement lifestyle may need to change, spending less in your retirement years is actually a good way to make your money last.

How much money do you need to retire?

When deciding on how much money you’ll need in retirement, you need to consider a few different things.

Try to imagine your future, where you’ll want to live, at what age you’ll want to start working, and the decisions that you plan to make along the way which will affect how much you’re able to save towards retirement.

You might also take into consideration your career trajectory and other sources of income you’ll have during retirement. Stash’s calculator can help give you an idea of what you should aim for according to your circumstances.

How to save for retirement.

There are a couple of different ways to save for retirement. Two of the most common types of retirement accounts are 401(k)s and individual retirement accounts (IRAs).

A 401(k) is a retirement account that can be offered by private companies. Employees commonly contribute with pretax dollars.

With an IRA, you can invest your contributions in almost any security, and investment returns grow tax-deferred while they remain in your account. There are two kinds: traditional and Roth IRAs. Stash offers both types of IRAs, no matter which subscription plan you have.

You can learn more about the difference between those accounts, and which one is best for you, here.

How to retire early.

If you want to plan to retire early, there are a few things you can do to get started.

Try to envision aspects of your life in retirement, such as where you want to live. You’ll also want to assess your current financial situation and lifestyle. Build a budget for retirement savings and identify places in your investment strategy where you can maximize your retirement funds. And consider hiring a financial advisor to help.

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.