Retirement Savings: How Much You Need and How to Get There
Income targets in retirement, how much to contribute, and why starting at 35 can still work if the plan is realistic.
Retirement planning starts with how much annual income you want in today's dollars, then works backward with return, inflation, and years until you withdraw.
Replacement income
Many planners use 70% to 80% of pre-retirement income as a target. Paid-off housing, healthcare, and travel change your real number. Model a lean and a comfortable case.
Starting at 35 or 40
A later start is not automatic failure. Higher contributions and a realistic return assumption still produce a path. The calculator shows the gap and what monthly savings close it.