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Retirement Savings: Plan, Calculate & Grow Your Future

Find out how much you need to save for retirement and exactly how to get there. Use our privacy-first Retirement Savings Calculator to test savings rates, catch up, and run what-if scenarios—no advisor, no bank connection.Compare your plan, set realistic goals, and get AI-powered insights for every stage of your journey.
Retirement Savings Calculator
Scenario-Based Analysis
AI-Powered Guidance
Privacy-First Planning
Try Retirement Savings Calculator Free
Retirement savings calculator dashboard

See How Retirement Savings Planning Works

Track your retirement savings, model catch-up strategies, and visualize your future—no advisor or downloads needed.

  1. Enter your current age, savings, income, and target retirement age.
  2. Add annual contributions, growth assumptions, and expected expenses.
  3. Use “what-if” analysis to test catch-up savings and see how your plan evolves.
Retirement savings dashboard and projection
Retirement savings what-if analysis scenarios
AI-powered retirement savings insight
Compare retirement savings with peers
All screenshots are from our real retirement savings planner. Try the full dashboard yourself.

Retirement Savings: FAQ & Common Questions

How much should I save for retirement?

The amount depends on your income, age, expenses, and desired retirement age. Use our retirement savings calculator to set a target, test different scenarios, and plan your path.

What is the best retirement savings calculator?

The best calculator lets you enter your own info, run what-if scenarios, and adjust for inflation, growth, and expenses. DIY My Finances is scenario-based and privacy-first.

Can I catch up on retirement savings if I started late?

Yes! Our catch-up analysis lets you model higher contributions, delayed retirement, or reduced expenses—see exactly what changes can close your savings gap.

How do I compare my retirement savings to others?

DIY My Finances benchmarks your plan against peers by age and income, so you can see where you stand and what steps can help you improve.

Is there a privacy-first retirement calculator?

Yes—our tool requires no advisor, no downloads, and no account linking. Your data stays private and secure.

What’s the difference between retirement income and savings calculators?

Savings calculators help you reach a goal amount; income calculators help you draw down assets sustainably in retirement. DIY My Finances lets you run both, so you see the full picture.

How does inflation affect my retirement savings plan?

Our calculator models inflation so you can see the real purchasing power of your savings and adjust your plan as needed.