US Retirement Simulator

Estimate your Social Security and retirement plan benefits

1. Your Current Situation

2. Retirement Plans



45 years
20 years 70 years


67 years
62 (early) 75


$60,000
$20k $200k


25 years
10 years 50 years

Your Retirement Projection

$0
Estimated monthly income
0%
Replacement rate
Annual income: $0
Social Security credits: 0
Adjustment rate: 0%

2. Career Details

Add different career periods for more accurate estimates:

Period Status Annual salary Credits

How is your retirement calculated?

Your retirement benefits depend on several factors:

  • Social Security: Based on your 35 highest earning years (up to $147,000 in 2023)
  • Retirement accounts: 401(k), IRA balances with growth projections
  • Retirement age: Early retirement reduces Social Security benefits
  • Work credits: You need 40 credits (10 years of work) to qualify

Expert Tip

To maximize retirement: contribute at least 15% to retirement accounts, delay Social Security until 70 if possible, and diversify income sources.

The replacement rate is the percentage of your pre-retirement income that your retirement benefits will replace. For middle-income earners, Social Security typically replaces about 40% of pre-retirement income.

Key strategies: 1) Maximize 401(k)/IRA contributions, 2) Work at least 35 years for Social Security, 3) Delay Social Security until age 70, 4) Consider Roth conversions, 5) Develop multiple income streams (real estate, side businesses).

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