Skip to the calculator

Will we have enough?
A calm answer.

What your savings could grow to, what you will need on top of Social Security and any pension, and the one change that closes the gap. Everything in today’s dollars.

Social Security estimate from 2026 SSA rules · Spouse included · 2026 contribution limits

Put in your numbers

FreeNo accountNothing leaves this device

Of the way to what you need at 67

73%

Projected at 67

$684,475

Needed at 67

$933,037

Your retirement savings from today to age 95, in today’s dollars. They grow until you retire, then pay the part of your spending that Social Security and any pension don’t cover. The dashed line is the path that lasts.

Your pathOn-track path

Where you are today

years
years
$
401(k), 403(b), IRAs and other money set aside for retirement. Not your bank savings.
$/mo
Include your employer’s match.
Fine-tune 14 more inputs: spending, growth, Social Security, spouse, pension

What you will need

$/yr
Spending in retirement
% of today’s income
70% to 80% is a common rule of thumb; it includes tax on what you withdraw. Less if the mortgage and tuition will be done.

Growth and time

% a year
% a year
% a year
years

Returns are assumptions, not forecasts. Your saving is taken to rise with inflation, so every figure is in today’s dollars.

Social Security

Your benefit
years

A rough estimate: today’s earnings as your career average, through the 2026 benefit formula. Social Security counts your best 35 years, so fewer years means less. For your real figure, sign in to my Social Security at ssa.gov.

$/yr
years

Your spouse is taken to be your age and to start Social Security when you do.

Pension

$/mo
In today’s dollars. A pension without cost-of-living raises buys less each year.

Room you have in 2026

The most you can put into tax-advantaged accounts this year, for your age.

At 67

On track

73%

of the savings you need

Projected savings at 67
$0
Savings needed at 67
$0
Gap
$0
Spending you need a month
$0
Social Security household, a month
$0
Pension a month
$0
Savings last until
95
Saving that closes the gap a month, on top of today’s
$0
Or retire at
69

An illustration, not financial advice. In today’s dollars: returns are real (after inflation), compounded monthly, with saving at the end of each month. Spending is drawn monthly from retirement to the age you plan to; tax on withdrawals is part of the spending figure. The Social Security estimate is rough; your statement is better.

Figures checked November 2026. Sources: SSA, 2026 benefit formula bend points · SSA, 2026 taxable maximum · SSA, starting before full retirement age · SSA, delayed retirement credits · IRS, 2026 401(k) and IRA limits (Notice 2025-67).

How the number is built.

What you will have

  • Today’s savings, grown. At your return less inflation, every month until you retire.
  • Plus what you add. Your monthly saving and the match, rising with inflation.
  • In today’s dollars. So $1 million at 67 means what $1 million buys now.

What you will need

  • The spending gap. Each month, your spending less Social Security and any pension.
  • Over every retirement year. To the age you plan to, 95 by default, since many people live past 90.
  • Valued at retirement. The sum that, still invested at the retirement return, pays every month of the gap.

The Social Security estimate

  • The 2026 formula. 90% of average monthly earnings up to $1,286, 32% up to $7,749, 15% above, on earnings up to $184,500.
  • Starting age. At 67 you get the full amount. Each year earlier takes off about 6.7% (5% after three years); each year later adds 8%, up to 70.
  • A spouse. Gets their own benefit or up to half of yours, whichever is more.

What it leaves out

  • Market swings. One steady return; a bad decade early in retirement matters more than an average.
  • Tax detail. Roth or traditional, and the tax on Social Security, are inside the spending figure, not modelled.
  • Big costs and gifts. Helping married children, simchas and medical costs are not here. See supporting a married child.

Retirement is the most common money worry among frum families: 49% in the 2024 Kosher Money survey of 2,994 US households, and only 16% of those over 40 said they felt adequately prepared. Knowing the number is the first step. Kosher Money / JNPRI survey, 2024.