Are You On Track for Retirement? How to Read the Gap
Learn how to read your retirement savings gap as a projected path, not a one-time benchmark, using a concrete age-35 Retirement Saver scenario.
Save the years. Land the retirement.
Current$50,000
Target$1,500,000
ByDec 31, 2061
Monthly$509
30 seconds to a retirement plan. Project your nest egg.
Retirement target
$
Start date
Age at Dec 31, 2026i
Retirement age
Contribution increase / yri
%
Starting Savingsi
$
Investment Returnsi
i
%
Past performance doesn't guarantee future results. Real (after-inflation) returns are typically 2-3 percentage points lower than nominal.
$50,000 of $1,500,000 · 3.3%$6,103/yr · 35 years left · by Dec 31, 2061
Current Savings
$50,000
Portfolio Over Time
Plan vs. recorded — sit above the grey line for ahead, below for behind.
Annual Flow
Money in vs. growth, year by year.
Contribution
Projected gains
Recorded gain
Recorded loss
Target $1,500,000 · $6,103/yr · 35 years · final $1,500,001
Just enter your balance once in a while. We'll track progress to retirement.
↓ In the future, enter your balance in the tracker below
DateSavingsInvestment returnsContribution goalGains
Jun 15, 2026(start)
Age 30
Savings
$50,000
Contrib.
—
Returns
—
Change
—
Entering a balance updates your savings plan.
Jun 15, 2026(start)
Age 30
$50,000
Updates your savings plan—
—
—
Dec 31, 2026
Age 30
Savings
$59,628projected
Contrib.
$6,103
Returns
+$3,525projected
Change
+$9,628projected
Dec 31, 2026
Age 30
$59,628projected
+$3,525projected
$6,103
+$9,628projected
Dec 31, 2027
Age 31
Savings
$69,934projected
Contrib.
$6,103
Returns
+$4,204projected
Change
+$10,307projected
Dec 31, 2027
Age 31
$69,934projected
+$4,204projected
$6,103
+$10,307projected
Dec 31, 2028
Age 32
Savings
$80,968projected
Contrib.
$6,103
Returns
+$4,930projected
Change
+$11,033projected
Dec 31, 2028
Age 32
$80,968projected
+$4,930projected
$6,103
+$11,033projected
Dec 31, 2029
Age 33
Savings
$92,779projected
Contrib.
$6,103
Returns
+$5,708projected
Change
+$11,811projected
Dec 31, 2029
Age 33
$92,779projected
+$5,708projected
$6,103
+$11,811projected
Dec 31, 2030
Age 34
Savings
$105,422projected
Contrib.
$6,103
Returns
+$6,541projected
Change
+$12,644projected
Dec 31, 2030
Age 34
$105,422projected
+$6,541projected
$6,103
+$12,644projected
Dec 31, 2031
Age 35
Savings
$118,957projected
Contrib.
$6,103
Returns
+$7,432projected
Change
+$13,535projected
Dec 31, 2031
Age 35
$118,957projected
+$7,432projected
$6,103
+$13,535projected
Dec 31, 2032
Age 36
Savings
$133,447projected
Contrib.
$6,103
Returns
+$8,386projected
Change
+$14,489projected
Dec 31, 2032
Age 36
$133,447projected
+$8,386projected
$6,103
+$14,489projected
Dec 31, 2033
Age 37
Savings
$148,957projected
Contrib.
$6,103
Returns
+$9,408projected
Change
+$15,511projected
Dec 31, 2033
Age 37
$148,957projected
+$9,408projected
$6,103
+$15,511projected
Dec 31, 2034
Age 38
Savings
$165,562projected
Contrib.
$6,103
Returns
+$10,501projected
Change
+$16,604projected
Dec 31, 2034
Age 38
$165,562projected
+$10,501projected
$6,103
+$16,604projected
Dec 31, 2035
Age 39
Savings
$183,337projected
Contrib.
$6,103
Returns
+$11,672projected
Change
+$17,775projected
Dec 31, 2035
Age 39
$183,337projected
+$11,672projected
$6,103
+$17,775projected
Dec 31, 2036
Age 40
Savings
$202,365projected
Contrib.
$6,103
Returns
+$12,925projected
Change
+$19,028projected
Dec 31, 2036
Age 40
$202,365projected
+$12,925projected
$6,103
+$19,028projected
Dec 31, 2037
Age 41
Savings
$222,734projected
Contrib.
$6,103
Returns
+$14,267projected
Change
+$20,369projected
Dec 31, 2037
Age 41
$222,734projected
+$14,267projected
$6,103
+$20,369projected
Dec 31, 2038
Age 42
Savings
$244,540projected
Contrib.
$6,103
Returns
+$15,703projected
Change
+$21,806projected
Dec 31, 2038
Age 42
$244,540projected
+$15,703projected
$6,103
+$21,806projected
Dec 31, 2039
Age 43
Savings
$267,882projected
Contrib.
$6,103
Returns
+$17,240projected
Change
+$23,343projected
Dec 31, 2039
Age 43
$267,882projected
+$17,240projected
$6,103
+$23,343projected
Dec 31, 2040
Age 44
Savings
$292,871projected
Contrib.
$6,103
Returns
+$18,886projected
Change
+$24,989projected
Dec 31, 2040
Age 44
$292,871projected
+$18,886projected
$6,103
+$24,989projected
Dec 31, 2041
Age 45
Savings
$319,621projected
Contrib.
$6,103
Returns
+$20,647projected
Change
+$26,750projected
Dec 31, 2041
Age 45
$319,621projected
+$20,647projected
$6,103
+$26,750projected
Dec 31, 2042
Age 46
Savings
$348,257projected
Contrib.
$6,103
Returns
+$22,533projected
Change
+$28,636projected
Dec 31, 2042
Age 46
$348,257projected
+$22,533projected
$6,103
+$28,636projected
Dec 31, 2043
Age 47
Savings
$378,912projected
Contrib.
$6,103
Returns
+$24,552projected
Change
+$30,655projected
Dec 31, 2043
Age 47
$378,912projected
+$24,552projected
$6,103
+$30,655projected
Dec 31, 2044
Age 48
Savings
$411,728projected
Contrib.
$6,103
Returns
+$26,713projected
Change
+$32,816projected
Dec 31, 2044
Age 48
$411,728projected
+$26,713projected
$6,103
+$32,816projected
Dec 31, 2045
Age 49
Savings
$446,858projected
Contrib.
$6,103
Returns
+$29,027projected
Change
+$35,130projected
Dec 31, 2045
Age 49
$446,858projected
+$29,027projected
$6,103
+$35,130projected
Dec 31, 2046
Age 50
Savings
$484,464projected
Contrib.
$6,103
Returns
+$31,503projected
Change
+$37,606projected
Dec 31, 2046
Age 50
$484,464projected
+$31,503projected
$6,103
+$37,606projected
Dec 31, 2047
Age 51
Savings
$524,722projected
Contrib.
$6,103
Returns
+$34,155projected
Change
+$40,258projected
Dec 31, 2047
Age 51
$524,722projected
+$34,155projected
$6,103
+$40,258projected
Dec 31, 2048
Age 52
Savings
$567,817projected
Contrib.
$6,103
Returns
+$36,993projected
Change
+$43,096projected
Dec 31, 2048
Age 52
$567,817projected
+$36,993projected
$6,103
+$43,096projected
Dec 31, 2049
Age 53
Savings
$613,951projected
Contrib.
$6,103
Returns
+$40,031projected
Change
+$46,134projected
Dec 31, 2049
Age 53
$613,951projected
+$40,031projected
$6,103
+$46,134projected
Dec 31, 2050
Age 54
Savings
$663,338projected
Contrib.
$6,103
Returns
+$43,284projected
Change
+$49,386projected
Dec 31, 2050
Age 54
$663,338projected
+$43,284projected
$6,103
+$49,386projected
Dec 31, 2051
Age 55
Savings
$716,206projected
Contrib.
$6,103
Returns
+$46,765projected
Change
+$52,868projected
Dec 31, 2051
Age 55
$716,206projected
+$46,765projected
$6,103
+$52,868projected
Dec 31, 2052
Age 56
Savings
$772,801projected
Contrib.
$6,103
Returns
+$50,493projected
Change
+$56,595projected
Dec 31, 2052
Age 56
$772,801projected
+$50,493projected
$6,103
+$56,595projected
Dec 31, 2053
Age 57
Savings
$833,386projected
Contrib.
$6,103
Returns
+$54,482projected
Change
+$60,585projected
Dec 31, 2053
Age 57
$833,386projected
+$54,482projected
$6,103
+$60,585projected
Dec 31, 2054
Age 58
Savings
$898,243projected
Contrib.
$6,103
Returns
+$58,754projected
Change
+$64,857projected
Dec 31, 2054
Age 58
$898,243projected
+$58,754projected
$6,103
+$64,857projected
Dec 31, 2055
Age 59
Savings
$967,672projected
Contrib.
$6,103
Returns
+$63,326projected
Change
+$69,429projected
Dec 31, 2055
Age 59
$967,672projected
+$63,326projected
$6,103
+$69,429projected
Dec 31, 2056
Age 60
Savings
$1,041,995projected
Contrib.
$6,103
Returns
+$68,221projected
Change
+$74,324projected
Dec 31, 2056
Age 60
$1,041,995projected
+$68,221projected
$6,103
+$74,324projected
Dec 31, 2057
Age 61
Savings
$1,121,559projected
Contrib.
$6,103
Returns
+$73,461projected
Change
+$79,563projected
Dec 31, 2057
Age 61
$1,121,559projected
+$73,461projected
$6,103
+$79,563projected
Dec 31, 2058
Age 62
Savings
$1,206,732projected
Contrib.
$6,103
Returns
+$79,070projected
Change
+$85,173projected
Dec 31, 2058
Age 62
$1,206,732projected
+$79,070projected
$6,103
+$85,173projected
Dec 31, 2059
Age 63
Savings
$1,297,909projected
Contrib.
$6,103
Returns
+$85,075projected
Change
+$91,177projected
Dec 31, 2059
Age 63
$1,297,909projected
+$85,075projected
$6,103
+$91,177projected
Dec 31, 2060
Age 64
Savings
$1,395,514projected
Contrib.
$6,103
Returns
+$91,503projected
Change
+$97,605projected
Dec 31, 2060
Age 64
$1,395,514projected
+$91,503projected
$6,103
+$97,605projected
Dec 31, 2061(retire)
Age 65
Savings
$1,500,001
Contrib.
$6,103
Returns
+$98,384projected
Change
—
Dec 31, 2061(retire)
Age 65
$1,500,001
+$98,384projected
$6,103
—
Projected total
Jun 15, 2026 → Dec 31, 2061
Savings
$50,000
→ $1,500,001
Projected gains
$1,450,001
Projected returns
$1,230,300
Remaining: $1,230,300
Contributed
$219,701
Remaining: $219,701
Projected totalJun 15, 2026 → Dec 31, 2061
$50,000→ $1,500,001
Projected returns$1,230,300Remaining: $1,230,300
Total contributed$219,701Remaining: $219,701
Projected gains$1,450,001
Retirement Savings Calculator
Learn more about this calculator
Knowing you should save for retirement is easy. Knowing exactly how much to put in each year — and replanning when life happens — is where most plans drift. The Retirement Saver gives you a year-by-year savings plan that lands at your target nest egg by the year you turn your retirement age, then lets you log actual balances to keep the trajectory honest.
Enter your age now, your retirement age, and a target. We solve the contribution that — applied each year and compounded at your expected return — lands you exactly on target at year-end of the year you turn 65 (or whatever age you pick). Record your actual portfolio balance any time and the plan replans forward from there. Sit above the grey reference curve to know you're ahead of plan; below it, you're behind.
Need more depth? The Retirement Calculator over in the Financial Suite adds Monte Carlo, sequence-of-returns risk, withdrawal strategies, and Social Security timing. The Saver is the day-to-day sister — simpler inputs, same compounding math, designed for "am I still on track?" check-ins.
What this calculator covers
Use these as a quick scope check before you rely on the output.
- •Year-by-year contribution plan from now to retirement
- •Compound forward at your expected blended return
- •Optional contribution growth rate (raises and lifestyle creep)
- •Multiple accounts: 401(k), IRA, Roth, brokerage, HSA, cash
- •Per-account balance breakdown when recording actuals
- •Above/below the grey reference line shows ahead vs behind plan
- •Annual flow chart: contributions vs projected gains, year by year
- •Save scenarios and share plan links
Frequently asked questions
How is this different from the Retirement Calculator?
The Retirement Calculator is the deep modeling tool — Monte Carlo, withdrawal strategies, life events, Social Security claim timing. The Retirement Saver is the day-to-day check-in: enter your age and target, get a yearly contribution number, record actuals as you go. Many users start in the Saver to set a target, then jump to the Calculator when they want sequence-of-returns confidence.
What return assumption should I use?
The default 7% nominal blended return reflects a 80/15/5 stocks/bonds/cash mix at historical averages. Switch to Detailed mode to set per-asset returns and adjust your allocation. Real (after-inflation) returns are typically 2-3 percentage points lower.
What if I can't hit the suggested contribution?
Override any year's contribution to a number you can actually save. The plan replans from the next year forward — sometimes the answer is a later retirement date, not a higher contribution.
Can I track multiple accounts?
Yes — switch Starting Savings to Detailed and add each account (401(k), IRA, brokerage, etc.). When you record actuals on a tracker row, a per-account breakdown dialog opens so you can capture what each account is worth that day.
Related articles
Practical examples that connect the calculator to real planning decisions.
Related calculators
Other tools that pair well with the Retirement Savings Calculator. They cross suites because life does.