Retirement savings calculator

Retirement savings calculator

See your retirement future come to life—based on your age, savings and investment strategy.

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Retirement Savings Calculator

Inputs
$
Projections shown in today’s dollars using real return.
$
Summary
Years until retirement
30
Total Corpus
$549,494
Starting capital + Contribution
$310,000
Growth
$239,494
How your savings accumulate over 30 years (today’s $)
Investment
Balance
Age 35Age 65$577K$0

Retirement Savings Calculator

Inputs
$
Projections shown in today’s dollars using real return.
$
Summary
Years until retirement
30
Total Corpus
$549,494
Starting capital + Contribution
$310,000
Growth
$239,494
How your savings accumulate over 30 years (today’s $)
Investment
Balance
Age 35Age 65$577K$0

Building your retirement reality

Time Is Your Greatest Asset when saving for retirement. Starting five years earlier can significantly increase your nest egg—without saving a penny more each month. That's the power of compound interest, quietly multiplying your money while you focus on living your life.


Inflation Eats Away at Tomorrow's Dollars if you don't plan for it. What costs $20,000 today could easily cost double that in 20 years. Ignore inflation in your planning, and you might find your dream retirement lifestyle priced out of reach.


Your Return Assumptions Drive Everything about when you can retire. Conservative investors might plan around lower returns, while those comfortable with market ups and downs might expect higher growth. Even small differences compound into big impacts—potentially adding or subtracting years from your working life. A financial advisor can help you set realistic expectations based on your risk tolerance and timeline.


Small Additions Create Big Results when you're consistent. Adding even modest amounts monthly to your retirement savings can translate to hundreds of thousands more down the road. Forget about needing huge sums to invest. Regular contributions and time do most of the heavy lifting.

Key retirement planning considerations

Your Retirement Lifestyle Costs More Than You Think when you factor in healthcare, travel, and maintaining your home. Many people underestimate their retirement expenses, forgetting that while some costs drop, others rise significantly. Planning for realistic expenses helps ensure your money lasts as long as you do.


Social Security Is Part of the Puzzle but shouldn't be the whole picture. When and how you claim benefits can mean tens of thousands in difference over your lifetime. Understanding your options—from early claiming at 62 to waiting until benefits max out at 70—helps you maximize this important income source.


Tax Strategy Becomes Critical in retirement. Once you hit certain ages, you're required to withdraw from retirement accounts, Social Security becomes taxable and investment income adds up. Planning which accounts to tap into first can help you keep more of what you've saved.


Early Retirement Means Finding Your Own Health Insurance until Medicare kicks in at 65. For early retirees, this gap can be one of the biggest expenses people don't plan for. Even after 65, Medicare doesn't cover everything—long-term care being the biggest potential expense most people overlook.

Disclaimer
Datalign Advisory calculators offer estimates based on your inputs and generally accepted financial principles. Results are for illustrative purposes only and may differ from actual outcomes. These tools are intended for educational use and are not a substitute for professional financial advice.

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Cambridge, MA, USA

@ 2025 Datalign Advisory. All rights reserved.

Datalign Advisory, Inc. (“Datalign Advisory”) is a solicitor for the third-party advisors on our platform. These advisors pay Datalign Advisory a referral fee for prospective client introductions. This referral fee varies based on the information you supply in the Questionnaire and the desired client profile of the Matched Advisor. In return, we provide the Matched Advisor with the information you provide us through our Questionnaire, including phone number and e-mail address. This fee is paid solely by the Matched Advisor and is paid to Datalign Advisory regardless of whether or not you become a client of the Matched Advisor. There are no fees to you for the use of our platform. Datalign Advisory is not otherwise affiliated with the Matched Advisor and does not provide investment advice on its behalf.Participating Advisers pay us a fee for each Investor introduction. Participating Advisers may pay different levels of fees based on a combination of demand and profile of the Investors matched and introduced. This creates a conflict of interest because we could generate more revenue by introducing Investors to the Participating Adviser willing to spend the most, rather than the adviser that best suits an Investor’s needs. We mitigate this risk by only introducing Investors to Participating Advisers that are deemed suitable and match based on information Investors self-report through our platform. Where multiple Participating Advisers meet the requirements identified by an Investor and are deemed equally suitable, the introduction will be made to the Participating Adviser that is willing to pay us the highest referral fee, as determined through an auction.

Datalign Advisory, Inc. (“Datalign Advisory”) is registered with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Datalign Advisory provides referrals to third-party investment advisors based on consumers’ financial information, services required, and preferred relationship with an investment advisor, as reported through our Questionnaire. Datalign Advisory does not manage client assets nor provide investment recommendations. Datalign Advisory’s form ADV Part 2A is available here, and the Form CRS here.

Cambridge, MA, USA

@ 2025 Datalign Advisory. All rights reserved.

Datalign Advisory, Inc. (“Datalign Advisory”) is a solicitor for the third-party advisors on our platform. These advisors pay Datalign Advisory a referral fee for prospective client introductions. This referral fee varies based on the information you supply in the Questionnaire and the desired client profile of the Matched Advisor. In return, we provide the Matched Advisor with the information you provide us through our Questionnaire, including phone number and e-mail address. This fee is paid solely by the Matched Advisor and is paid to Datalign Advisory regardless of whether or not you become a client of the Matched Advisor. There are no fees to you for the use of our platform. Datalign Advisory is not otherwise affiliated with the Matched Advisor and does not provide investment advice on its behalf.Participating Advisers pay us a fee for each Investor introduction. Participating Advisers may pay different levels of fees based on a combination of demand and profile of the Investors matched and introduced. This creates a conflict of interest because we could generate more revenue by introducing Investors to the Participating Adviser willing to spend the most, rather than the adviser that best suits an Investor’s needs. We mitigate this risk by only introducing Investors to Participating Advisers that are deemed suitable and match based on information Investors self-report through our platform. Where multiple Participating Advisers meet the requirements identified by an Investor and are deemed equally suitable, the introduction will be made to the Participating Adviser that is willing to pay us the highest referral fee, as determined through an auction.

Datalign Advisory, Inc. (“Datalign Advisory”) is registered with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Datalign Advisory provides referrals to third-party investment advisors based on consumers’ financial information, services required, and preferred relationship with an investment advisor, as reported through our Questionnaire. Datalign Advisory does not manage client assets nor provide investment recommendations. Datalign Advisory’s form ADV Part 2A is available here, and the Form CRS here.

Cambridge, MA, USA

@ 2025 Datalign Advisory. All rights reserved.

Datalign Advisory, Inc. (“Datalign Advisory”) is a solicitor for the third-party advisors on our platform. These advisors pay Datalign Advisory a referral fee for prospective client introductions. This referral fee varies based on the information you supply in the Questionnaire and the desired client profile of the Matched Advisor. In return, we provide the Matched Advisor with the information you provide us through our Questionnaire, including phone number and e-mail address. This fee is paid solely by the Matched Advisor and is paid to Datalign Advisory regardless of whether or not you become a client of the Matched Advisor. There are no fees to you for the use of our platform. Datalign Advisory is not otherwise affiliated with the Matched Advisor and does not provide investment advice on its behalf.Participating Advisers pay us a fee for each Investor introduction. Participating Advisers may pay different levels of fees based on a combination of demand and profile of the Investors matched and introduced. This creates a conflict of interest because we could generate more revenue by introducing Investors to the Participating Adviser willing to spend the most, rather than the adviser that best suits an Investor’s needs. We mitigate this risk by only introducing Investors to Participating Advisers that are deemed suitable and match based on information Investors self-report through our platform. Where multiple Participating Advisers meet the requirements identified by an Investor and are deemed equally suitable, the introduction will be made to the Participating Adviser that is willing to pay us the highest referral fee, as determined through an auction.

Datalign Advisory, Inc. (“Datalign Advisory”) is registered with the U.S. Securities and Exchange Commission as a Registered Investment Advisor. Datalign Advisory provides referrals to third-party investment advisors based on consumers’ financial information, services required, and preferred relationship with an investment advisor, as reported through our Questionnaire. Datalign Advisory does not manage client assets nor provide investment recommendations. Datalign Advisory’s form ADV Part 2A is available here, and the Form CRS here.