Retirement Planning (Couples) Calculator

Project your combined retirement savings from two incomes. See your total nest egg, sustainable withdrawal income, and whether you're on track for your desired retirement lifestyle.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Partner 1 Current Age

Partner 2 Current Age

Target Retirement Age

Partner 1 Current Savings ($)

Partner 2 Current Savings ($)

Partner 1 Monthly Contribution ($)

Partner 2 Monthly Contribution ($)

Expected Annual Return (%)

Expected Inflation (%)

Desired Monthly Retirement Income ($)

Partner 1 Est. Social Security ($/mo)

Partner 2 Est. Social Security ($/mo)

Tab to move between fields

Results

Projected Nest Egg

$2,575,555

4% Rule Monthly Income

$8,585.18

Partner 1 Savings at Retirement$1,623,018

Partner 2 Savings at Retirement$952,537

Years of Retirement Income100 years

Monthly Income Gap-$5,785.18

Years to Retirement30 years

Total Contributions$468,000

Combined Monthly Income$0

How to Use This Calculator

Enter each partner current age, retirement age, and current retirement savings.
Set each partner annual contribution and expected investment return rate.
Input estimated monthly retirement income needed in today dollars.
Review the projected retirement nest egg and monthly income from savings.
Identify any shortfall and adjust contributions or retirement age accordingly.

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