Savings check

Household income a year, before tax. Used to place you among households and to show your saving rate.

Years the money should last. For life is tested over 45 years, the longest the history allows.

How sure do you want to be?. Every past starting year since 1928 is tried. 90% means your money lasts in 90 of every 100.

Monthly spending you want, after tax. Leave empty to use the site’s figure for your level and household.

Your state. For state tax in retirement, property tax and tax on a home sale.

Tax-deferred accounts (401(k), traditional IRA). Money not yet taxed. Empty uses the Fed’s typical figure for people at your level and age.

Roth accounts. Already taxed; withdrawals are tax-free. Empty counts none.

What your home would sell for today. The full value before the mortgage. Zero if you rent.

What you will owe when you stop working. Empty uses today’s balance. Your loan statement’s payoff schedule gives a better number.

What you paid for the home, with improvements. Optional. With it the tax on a sale is counted; without it no tax on a sale is counted.

You put into taxable investments and bank savings, a month. Amounts stay the same in today’s dollars: your saving rises with prices.

Share in stocks until you stop working. The rest is in inflation-linked government bonds (2.91% above price rises).

Share in stocks during retirement. The table of mixes below tries 0%, 25%, 50%, 75% and 100% as well.

Average yearly earnings over your 35 highest-paid years. Count zeros if you worked fewer than 35 years. In today’s wages.

Your monthly check at your start age, before tax. From your statement at ssa.gov, in today’s dollars.

Payments after the fund runs short. The cut counts only for the years from 2033 on (2026 Trustees Report).

Other income a month, before tax. Pensions, rents, royalties.

How many years does it last?. Empty means the whole plan.

When you stop working, will you keep or sell your home?. The answer shows both; this choice picks the headline and the stocks against bonds table.

Housing cost already inside your monthly spending. The site’s spending for your level includes rent. If you keep your home, this part is replaced by the cost of owning. Empty uses the level’s housing share.

Check what you hold. Optional. Fill in your holdings to see your stock share.

Their share in stocks. Empty counts 60%.

Other (real estate funds, gold, crypto). Left out of the stock and bond shares.

How you compare with the Fed’s numbers. Today you are above the Fed’s upper-quarter figure for households at the Comfortable level at your age. The Fed’s figures describe what people at that level have saved, not what you need. The Fed’s survey (2022) is put in today’s dollars with a factor of 1.13. The typical figures are medians for each line, so they do not add up. Savings here means retirement accounts, taxable investments and bank accounts; the home is left out.

Keep your home or sell it. Keeping the home swaps the housing part of your spending (US$4,286 a month, 33% of it, the Consumer Expenditure Survey share for households at your level) for the cost of owning it (US$2,054 a month at 2.9% of its value a year: property tax, insurance and upkeep). Selling it adds US$659,000 to your savings after selling costs and the mortgage. For comparison, the site’s money to bring for your level and household, held only in US inflation-linked bonds, is US$3,495,607 today for 30 years.

Your saving against others, as a share of income. 79% of working-age households at the Comfortable level spent less than they earned (Fed survey). Households with income of US$200,000 and more saved about 25% of income before tax (Bureau of Labor Statistics spending survey, 2023; pension and Social Security payments count as spending, so this understates saving). Vanguard plan participants with income of US$150,000 and more put 8.6% of pay into their plan (employee share only). You save 22.9% including your employer’s share.

Stocks against bonds in retirement. Each row replays every past starting year since 1928 for your keep choice with that share of stocks in retirement; the rest is in inflation-linked bonds at a steady 2.91%. More stocks usually need less money, but the worst starting years need more. The past century was strong for US stocks; the next may not be.

Where your money is enough, at the Comfortable level. Money to bring is for 2 people for 30 years, in today’s dollars, from the same figures as the main calculator. The list shows the most expensive places your money covers first. Social Security and other income are not counted. A place with no city at your level is left out.

Year by year after you stop working. Each year’s spending after tax, less Social Security and other income, is what savings must pay. The tax on what is taken out is worked out for that year, so every year’s withdrawal leaves exactly your spending. The Social Security cut counts only for the years from 2033.

Year by year after you stop working. Amounts are per year, in today’s dollars. Tax is the federal tax on Social Security, other income and the withdrawals (no state chosen).

Every past starting year. Each row starts retirement in that year and lives through the real stock returns that followed, with your mix reset every year and bonds at 2.91%. The money needed is each year’s draw divided by the growth of your mix up to that year, added up. You are on track for US$1,945,412 (keeping the home).

Every past starting year. A start year counts only when the whole plan fits inside the history, which ends in 2025. Money needed at 90% sure is the 90% point of these years (Excel PERCENTILE).

How the tax is worked out. Tax-deferred accounts are 58% of what you would hold on your last working day; Roth withdrawals are not taxed; 10% of each withdrawal is growth in your taxable account, taxed at the 0%, 15% and 20% rates for long-term gains (what you put in is not taxed again).

How the tax is worked out. Social Security is taxed by the federal formula: none of it below the income thresholds and up to 85% of it above them. The standard deduction and the extra deductions from age 65 are the 2026 figures, and the 3.8% investment income tax applies to gains above its thresholds.

How the tax is worked out. No state is chosen, so only federal tax is counted. Pick your state in step 2 to add state and city tax, state property tax and the state tax on a home sale.

How the tax is worked out. In your first year after you stop, the plan takes US$133,481 from savings and pays US$4,868 in tax (US$4,868 federal), which leaves US$128,613 with Social Security and other income.

The Fed’s numbers for the Comfortable level. Households are ranked by income before tax. At the Comfortable level a household earns at least US$171,001 a year before tax. Each figure is the typical (median) household in the age group; your own figures are drawn on a line between the middle ages of the groups.

The Fed’s numbers for the Comfortable level. Federal Reserve Survey of Consumer Finances 2022, 4,595 households, in today’s dollars. A group with fewer than 30 surveyed households is a rough guide: the jumps between groups can be sampling noise.

Where your money is: what people your age hold. Stocks as a share of invested money, households your age (Fed, 2022): typical 55%, half of households between 25% and 86%; 6% hold no stocks. In the top fifth by income: typical 61%, middle half 32% to 86%.

Where your money is: what people your age hold. Vanguard retirement-plan participants your age hold an average of 75% in stocks (median 79%); plan members are put into funds that lower their stock share as they age, so their figures are higher and more uniform.

Where your money is: what people your age hold. Tick “Check what you hold” in step 5 to compare your own holdings. Sources: Federal Reserve Survey of Consumer Finances 2022; Vanguard, How America Saves 2026.

Where money goes: the largest companies, funds and bonds. Examples as of October 6, 2026, for seeing what the stocks, funds and bonds in these plans are. Only figures with a dated, named source are shown.

The ten largest US-listed companies by market value. Prices: closing prices on October 6, 2026. Ranking and quoted market values: Motley Fool (fool.com/research/largest-companies-by-market-cap, October 7, 2026). Share counts: the latest each company reported (December 2025 to August 2026), rounded, so price times shares will not match the quoted value exactly. Weights in the S&P 500: the SPY fund’s holdings on October 6, 2026, a stand-in for the index (chartrow.com/quote/spy/holdings).

A share price is not a size. Berkshire Hathaway Class A: Robinhood, October 7, 2026. Micron: Motley Fool. Lloyds and Ambev: a screen of shares under US$10 dated October 7, 2026 (the Ambev share count was not checked against a second source).

The largest stock funds. chartrow.com/lists/biggest-etfs, October 5, 2026 (fees from the same site; check each company’s own site). A second list (etfdb.com, undated) shows higher assets, for example US$1,047 billion for VOO, and ranks the 9th and 10th funds differently; the top five agree on both lists, ranks 6 to 8 are close, so only eight are shown.

The two largest bond funds. etfcentral.com, October 6, 2026 (BND was US$151.6 billion on March 31, 2026 per Lipper Alpha).

Money market funds. All US money market funds hold US$7,890 billion: 82% in government funds, 16% in prime funds and 2% in tax-exempt funds; 39% is held by individuals and 61% by institutions.

Money market funds. Investment Company Institute weekly report dated October 1, 2026 (ici.org/research/stats/mmf; week ended September 30, 2026). Crane Data (cranedata.com, June 30, 2026) for the managers; Crane counts a wider set of funds than the Institute, so the manager shares are shares of Crane’s own total.

Where bonds come from. Amounts: US Treasury Monthly Statement of the Public Debt, August 31, 2026 (api.fiscaldata.treasury.gov, table 1). Yields: US Treasury daily par yield and real yield curves, October 6, 2026. The 10-year real yield of 2.91% is the figure the site uses for bonds. I Bond rate: tipswatch.com, August 2026 (a new fixed rate is set November 1, 2026). Total marketable Treasury debt on August 31, 2026: US$31,828 billion.

Largest foreign holders of US Treasury debt. US Treasury international capital data (ticdata.treasury.gov, major foreign holders), July 2026.

What is not shown. Some figures were not found or could not be checked, so they are left out rather than guessed:

What is not shown. Municipal bonds and company bonds: no amounts or yields were found.

What is not shown. The yield of the floating rate note: it is not on the Treasury’s curves.

What is not shown. Money market fund managers ranked 6 to 10, and the largest single money funds: only the five largest managers have a dated source.

What is not shown. Bond funds ranked 3 to 11, and their fees and dates: their sizes come from an undated list that is not in size order.

What is not shown. The Vanguard 2075 target-date fund: it is not in the fund company’s document.

What is not shown. A second fund company’s target-date path.

Where money goes: the largest companies, funds and bonds

The ten largest US-listed companies by market value

A share price is not a size

The largest stock funds

The two largest bond funds

Money market funds

Where bonds come from

Largest foreign holders of US Treasury debt

What is not shown

The path to your last working day. Dollars on a log scale, in today’s dollars. Your line grows at the planning return for your mix and your monthly saving. The flat line is what you need from your investments on your last working day (US$1,952,730).