Project today's savings plus contributions to retirement age, and compare to your target.
A retirement-on-track calculator projects your current savings plus ongoing contributions to your retirement age, then checks that balance against the nest egg you'll need to fund your desired income.
Two numbers decide whether you're on track: what your savings will grow to by retirement, and the nest egg required to fund your income at a safe withdrawal rate. The gap between them is your surplus or shortfall. Seeing both together turns a vague worry into a specific number you can act on.
If the projection falls short, the levers are familiar: save more each month, work a little longer, spend a little less in retirement, or adjust your investment mix. Small changes made early matter most because they compound for decades, raising the monthly contribution a bit in your forties can outweigh a much larger effort in your sixties.
Compare your projected savings at retirement with the nest egg needed to fund your income at a safe withdrawal rate. A surplus means you're ahead; a shortfall means adjust.
Roughly your desired annual income divided by your withdrawal rate, about 25× your income at a 4% rate. The calculator computes it from your inputs.
Save more, retire later, lower planned spending, or revisit your investment mix. Increases made earlier compound the most.
See the exact formula and a worked example on our methodology page.