About You
Your age & timeline
When you retire determines how much time your savings have to grow — and how long they need to last.
Use family history. Average is ~78 for men, ~81 for women.
Your Savings & Income
What you have & expect
Include all retirement accounts — 401(k), IRA, Roth IRA. Social Security is estimated automatically if left at zero.
Total across all retirement accounts today
What you currently put aside each month
Leave at $0 to use our estimate based on your income
Pension, rental income, part-time work, annuity
Planning Assumptions
Adjust to match your expectations
These are the variables that most affect your number. The defaults are conservative and reasonable.
Before retirement — historically 6–7% for diversified portfolios
Long-run Fed target is 2%. Use 3% to be conservative.
% of current income you want in retirement. Fidelity suggests 70–80%.
The 4% rule is the standard. 3.5% is more conservative for long retirements.
Savings Target
—
needed at retirement
Projected at Retirement
—
with current savings rate
Years of Runway
—
your savings should last
Your Monthly Retirement Income Picture
To Close the Gap
How much more would you need to save?
Fidelity Age-Based Savings Benchmarks — Where Do You Stand?
Source: Fidelity Investments — "How Much Do I Need to Retire?" — fidelity.com
Your Situation in Plain English
—
Watch: How Much Do You Actually Need to Retire?
The full video unpacks the Fidelity benchmarks, the 4% rule, and how to calculate your real number.
Sources & Methodology
Fidelity Investments — How Much Do I Need to Retire? (Age-based savings benchmarks)
fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire
Fidelity 2025 Retiree Health Care Cost Estimate — $172,000 average healthcare cost in retirement
fidelity.com — Retirement Planning Guide
Kiplinger / Alliance for Lifetime Income Peak 65 Study — 52.5% of Boomers have $250,000 or less
kiplinger.com — The Magic Number to Retire
William Bengen — Origin of the 4% safe withdrawal rule (updated to 4.7% in 2026)
fidelity.com — Retirement Guidelines