Am I on Track for Retirement?

A quick check of your retirement savings against the rule of thumb Calamita Wealth Management uses with clients. It's a starting point for a conversation, not a plan.

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401(k)s, IRAs, and other savings set aside for retirement.

Enter your age, income, and savings to see where you stand.

Keep saving

On the savings side, we generally look for at least 15% of income going in each year, counting the employer match. Higher earners usually need to save more than that, since Social Security replaces a smaller share of what they were making.

The benchmarks

Everyone's situation is different. If you'd like to know what your own numbers mean, including your spending, Social Security, and when you want to retire, we'd be glad to help.

See how we work with clients

How this works, and its limits

Tap any heading to read the details.

How the benchmark works

The benchmarks are a rule of thumb Calamita Wealth Management uses with clients, stated as a multiple of current income at ages 35, 45, 55, and 65. For ages in between, the calculator fills in the benchmark and range in a straight line between the nearest two ages. Your savings multiple is your current retirement savings divided by your annual income.

Limitations
  • A rule of thumb can't account for your situation. It doesn't consider your spending, Social Security, pensions, other assets or debts, health, or when you plan to retire.
  • It isn't a projection. It doesn't estimate future investment returns or whether your savings will last.
  • Being below the range doesn't mean you can't retire comfortably, and being above it doesn't mean you can.
Not advice

This tool is educational and general. It doesn't select or recommend any investment and isn't personalized investment, tax, or legal advice.

Your privacy

This calculator runs entirely in your browser. Nothing you enter is sent to us or stored.