Start with the time horizon
Your current age, possible retirement age and expected retirement duration shape how long savings have to grow and how long accumulated resources may need to support spending.
Estimate future spending
Housing, healthcare, food, transportation, taxes, travel and other goals can change over time. Inflation also means future prices may differ from today's prices.
Identify potential income sources
Retirement resources may include personal savings, investments, pensions, government programs, property or continued work. Availability and rules vary by country and individual.
Use scenarios, not one forecast
Future returns, inflation, lifespan and spending are uncertain. Comparing conservative, middle and optimistic assumptions can be more informative than relying on a single projection.
Explore the Retirement Center, Savings Calculator and Investment Calculator.
General educational information only; not individualized retirement or investment advice.