Am I on track to retire?
Enter a few numbers to see what you will have, what you will need, your chance of success in good and bad markets, and the simplest ways to close any gap. Free, private, no signup.
- ✓ Savings, Social Security, pensions & more
- ✓ 1,000 market scenarios, not one guess
- ✓ Year-by-year table, print & share
- ✓ Official 2026 limits built in
Your numbers
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Age 40, retiring at 67, planning to age 92 · Savings $120,000 · Saving $750/mo (employer match 50% up to 6% of pay) · Spending $60,000/yr in today's dollars · Social Security $2,100/mo at 67 · Returns 6.5% / 5% · Inflation 2.5% · Tax 12%
Printed from retirement.ablepro.net on 10/9/2026
Close — worth a tune-up
With steady average returns, your savings last past age 92. Across 1,000 market scenarios, the plan worked in 60% of them.
Ways to make the plan safer
Any one of these, on its own, would raise your odds. Most people combine smaller versions of two or three.
Your savings over time
Today's dollarsFor the PDF, choose Save as PDF as the printer. The report includes your numbers, results, chart, and the full year-by-year table.
Year by year (today's dollars)
| Age | Year | You save | Employer | SS, pension & other | Withdrawal | Balance at year end |
|---|---|---|---|---|---|---|
| 40 | 2026 | $8,780 | $2,195 | — | — | $136,015 |
| 41 | 2027 | $8,780 | $2,195 | — | — | $152,655 |
| 42 | 2028 | $8,780 | $2,195 | — | — | $169,945 |
| 43 | 2029 | $8,780 | $2,195 | — | — | $187,909 |
| 44 | 2030 | $8,780 | $2,195 | — | — | $206,575 |
| 45 | 2031 | $8,780 | $2,195 | — | — | $225,969 |
| 46 | 2032 | $8,780 | $2,195 | — | — | $246,119 |
| 47 | 2033 | $8,780 | $2,195 | — | — | $267,056 |
| 48 | 2034 | $8,780 | $2,195 | — | — | $288,810 |
| 49 | 2035 | $8,780 | $2,195 | — | — | $311,413 |
| 50 | 2036 | $8,780 | $2,195 | — | — | $334,898 |
| 51 | 2037 | $8,780 | $2,195 | — | — | $359,300 |
| 52 | 2038 | $8,780 | $2,195 | — | — | $384,653 |
| 53 | 2039 | $8,780 | $2,195 | — | — | $410,997 |
| 54 | 2040 | $8,780 | $2,195 | — | — | $438,368 |
| 55 | 2041 | $8,780 | $2,195 | — | — | $466,807 |
| 56 | 2042 | $8,780 | $2,195 | — | — | $496,356 |
| 57 | 2043 | $8,780 | $2,195 | — | — | $527,059 |
| 58 | 2044 | $8,780 | $2,195 | — | — | $558,959 |
| 59 | 2045 | $8,780 | $2,195 | — | — | $592,104 |
| 60 | 2046 | $8,780 | $2,195 | — | — | $626,543 |
| 61 | 2047 | $8,780 | $2,195 | — | — | $662,326 |
| 62 | 2048 | $8,780 | $2,195 | — | — | $699,505 |
| 63 | 2049 | $8,780 | $2,195 | — | — | $738,135 |
| 64 | 2050 | $8,780 | $2,195 | — | — | $778,273 |
| 65 | 2051 | $8,780 | $2,195 | — | — | $819,977 |
| 66 | 2052 | $8,780 | $2,195 | — | — | $863,308 |
| 67 | 2053 | — | — | $24,585 | $38,581 | $843,855 |
| 68 | 2054 | — | — | $24,585 | $38,581 | $823,926 |
| 69 | 2055 | — | — | $24,585 | $38,581 | $803,512 |
| 70 | 2056 | — | — | $24,585 | $38,581 | $782,600 |
| 71 | 2057 | — | — | $24,585 | $38,581 | $761,178 |
| 72 | 2058 | — | — | $24,585 | $38,581 | $739,233 |
| 73 | 2059 | — | — | $24,585 | $38,581 | $716,753 |
| 74 | 2060 | — | — | $24,585 | $38,581 | $693,725 |
| 75 | 2061 | — | — | $24,585 | $38,581 | $670,135 |
| 76 | 2062 | — | — | $24,585 | $38,581 | $645,970 |
| 77 | 2063 | — | — | $24,585 | $38,581 | $621,216 |
| 78 | 2064 | — | — | $24,585 | $38,581 | $595,857 |
| 79 | 2065 | — | — | $24,585 | $38,581 | $569,880 |
| 80 | 2066 | — | — | $24,585 | $38,581 | $543,270 |
| 81 | 2067 | — | — | $24,585 | $38,581 | $516,010 |
| 82 | 2068 | — | — | $24,585 | $38,581 | $488,086 |
| 83 | 2069 | — | — | $24,585 | $38,581 | $459,480 |
| 84 | 2070 | — | — | $24,585 | $38,581 | $430,177 |
| 85 | 2071 | — | — | $24,585 | $38,581 | $400,160 |
| 86 | 2072 | — | — | $24,585 | $38,581 | $369,410 |
| 87 | 2073 | — | — | $24,585 | $38,581 | $337,910 |
| 88 | 2074 | — | — | $24,585 | $38,581 | $305,641 |
| 89 | 2075 | — | — | $24,585 | $38,581 | $272,586 |
| 90 | 2076 | — | — | $24,585 | $38,581 | $238,724 |
| 91 | 2077 | — | — | $24,585 | $38,581 | $204,037 |
Estimates only, not financial, tax, or investment advice. Returns are not guaranteed, and taxes, fees, and rules vary. The market range uses balanced yearly swings around your expected returns.
Answer one question at a time
How much to retire
Estimate how much you need saved to retire, based on your spending, Social Security, and years in retirement, plus the monthly savings to get there.
Open →401(k) calculator
Project your 401(k) balance at retirement with your contributions, employer match, raises, and the 2026 contribution limits, including catch-up contributions.
Open →IRA & Roth IRA
Project traditional or Roth IRA growth and check how much you can put in a Roth IRA in 2026 based on your income and filing status.
Open →Roth vs traditional
Compare a Roth and a traditional 401(k) or IRA contribution side by side using your tax rate today and in retirement.
Open →How long money lasts
Find out how many years your retirement savings will last with monthly withdrawals that rise with inflation, plus a year-by-year balance table.
Open →Safe withdrawal (4% rule)
Calculate a safe first-year withdrawal from your retirement savings with the 4% rule, and the most you could withdraw to last a set number of years.
Open →RMD calculator
Calculate your required minimum distribution from a traditional IRA or 401(k) using the IRS Uniform Lifetime Table, with a projection for future years.
Open →Social Security age
Compare Social Security benefits at every claiming age from 62 to 70, find your full retirement age, and see your break-even age for waiting.
Open →Catch-up contributions
See the most you can save in 2026 at your age in a 401(k), IRA, SIMPLE IRA, and HSA, including catch-up contributions and the ages 60–63 super catch-up.
Open →Early retirement (FIRE)
Find your financial independence number and how many years until you can retire early, based on your spending, savings, and investment return.
Open →Cost of living by state
Compare the cost of living between any two states to see what your retirement lifestyle would cost if you moved, using official 2024 government price data.
Open →Inflation & cost of living
See what your monthly costs will be in the future as the cost of living rises, how much buying power your money loses, and the history of Social Security COLAs.
Open →Savings by age
Compare your retirement savings with common savings-by-age guidelines: 1× your salary by 30, 3× by 40, 6× by 50, 8× by 60, and 10× by 67.
Open →Know the rules that move the numbers
Social Security Cost-of-Living Adjustments (COLA) by Year
Every Social Security cost-of-living adjustment from 1984 to 2026, with 10-, 20-, and 30-year averages, and how the COLA is calculated.
Read →2026 Retirement Contribution Limits
Every 2026 retirement contribution limit in one place: 401(k), 403(b), 457, IRA, Roth IRA income limits, SIMPLE, HSA, and catch-up contributions.
Read →Social Security Retirement Benefits: The Basics
How Social Security retirement benefits work: credits, full retirement age, claiming early or late, spousal and survivor benefits, and working while collecting.
Read →Medicare Basics: When to Sign Up and What It Costs
When to enroll in Medicare at 65, how to avoid late-enrollment penalties, Original Medicare vs Medicare Advantage, and the 2026 Part B premium and deductibles.
Read →Required Minimum Distribution (RMD) Rules
When required minimum distributions start, which accounts have them, how they are calculated, and the penalty for missing one.
Read →Where to Save for Retirement First
A simple order for retirement saving: employer match, high-interest debt, HSA, IRA, back to the 401(k), then taxable investing.
Read →Retirement Planning Checklist by Age
A retirement planning checklist for every stage: what to focus on in your 20s, 30s, 40s, 50s, 60s, and 70s to retire on time and with confidence.
Read →Retirement planner FAQ
How much do I need to retire?
It depends on what you will spend and how much Social Security and pensions will cover. Your savings need to cover the gap for as long as you live. A quick check is 25 times the yearly gap; the planner above gives a fuller estimate.
What does the percentage chance mean?
The planner runs your plan through 1,000 different market paths with good and bad years. The percentage is how many of those paths kept your money lasting to the age you chose. Many planners aim for 80–90%.
Is my information saved or shared?
Your numbers stay in your own browser so you can come back to them. Nothing is sent to AblePro. If you use “Copy share link,” the numbers are packed inside the link itself.
What return should I use?
Use a return after fees. Many planners use 5–7% a year for a stock-heavy mix before retirement and a little less in retirement. Lower numbers give a more cautious plan.
Is this financial advice?
No. These are educational estimates. For decisions about investments, taxes, or when to claim benefits, consider a fee-only financial planner or tax professional.
Official 2026 figures from: IRS: 2026 401(k) and IRA limits (IR-2025-111) · IRS: Catch-up contributions · IRS: Required minimum distributions · IRS: Publication 590-B (Uniform Lifetime Table) · IRS: Rev. Proc. 2025-19 (2026 HSA limits) · SSA: 2026 COLA fact sheet · CMS: 2026 Medicare premiums and deductibles · SSA: Cost-of-living adjustment history · BEA: Regional Price Parities by state (2024 data)