Recent Calculations
¿Sabe lo que se necesita para trabajar hacia una jubilación segura? Use this calculator to help you create your retirement plan if you have two working spouses in your household. Consulte el saldo de sus ahorros para la jubilación y sus retiradas de cada año hasta el final de su jubilación.
This planner allows you to choose one of the following for your household status
| Single | No spouse or others with income sharing the household in retirement. |
|---|---|
| Married one spouse working outside the home | Married couple with only one income before retirement. Social Security uses the working spouses income to determine the spousal Social Security benefit. |
| Married both spouses working outside the home | Married couple with two incomes before retirement. Spouses will have their own Social Security benefits, however if one of the working spouses income greatly exceeds the other the calculator will use a spousal Social Security benefit if it exceeds their own. |
| Unmarried partners/others sharing household | Unmarried couple or others sharing a household with two incomes before retirement. The two income earners will have their own Social Security benefits and neither will use a spousal Social Security benefit. |
Enter the total of your gross earned income. This is the income that Social Security is based on, and does not include other income sources like interest, rental, dividends, etc.
Enter the total of your partner/spouse gross earned income. This is the income that Social Security is based on, and does not include other income sources like interest, rental, dividends, etc.
This is the percentage of your annual income that is contributed to your retirement by your employer. This could be for any employer retirement plan such as a 401(k), 403(b), etc.
This is the percentage of your annual income that you contribute to your retirement. This could be for any employer retirement plan such as a 401(k), 403(b), etc.
This is the percentage of partner/spouse annual income that is contributed to your retirement by their employer. This could be for any employer retirement plan such as a 401(k), 403(b), etc.
This is the percentage of partner/spouse annual income that is contributed to your retirement. This could be for any employer retirement plan such as a 401(k), 403(b), etc.
Check this box if you wish invest (or save) any annual surplus that occurs during your retirement. You can have an annual surplus if you have a year in which your pensions, Social Security and other income exceeds your projected retirement needs. If you invest your annual surplus, instead of spending it, your retirement savings will be increased for that year.
Marque esta casilla si desea incluir los beneficios de la Seguridad Social en su planificación para la jubilación. **SS_DEFINITION**
Indicated what percentage of your estimated Social Security you wish to include in your retirement plan. 100% will includes your full estimated Social Security benefit. 0% will not include any of your benefit.
Su edad actual.
Partner/Spouse current age.
The age you plan to begin receiving Social Security benefits. This must be between age 62 and 70 but can't start before retirement. For example, if you are currently 55 and the household will retire in 10 years, the minimum Social Security age to start is 65. Also note that estimated benefits will be reduced if taken before full retirement age. Full retirement age was 65 for those born before 1943. If you were born between 1943 and 1954 it is 66, then gradually increases to 67 from 1955 to 1959. If you were born in 1960 or later full retirement age is 67.
The age your partner/spouse plans to begin receiving Social Security benefits. This must be between age 62 and 70 but can't start before retirement. For example, the Spouse/Partner is currently 55 and the household will retire in 10 years, the minimum Social Security age to start is 65. Also note that estimated benefits will be reduced if taken before full retirement age. Full retirement age was 65 for those born before 1943. If you were born between 1943 and 1954 it is 66, then gradually increases to 67 from 1955 to 1959. If you were born in 1960 or later full retirement age is 67.
If you are retired today, enter 0. This calculator assumes the spouse retires at the same time. Consider this as the number of years until you expect to begin taking withdrawals from your retirement savings.
The number of years you expect to spend in retirement. If this retirement savings plan is intended to support you and your spouse, make sure this is enough years to account for your partner/spouse potentially longer lifespan.
Este es el pronóstico para la tasa de inflación media a largo plazo. Una medida común de la inflación en los EE. UU. es el Índice de Precios al Consumidor (IPC). Entre 1925 y 2025, el IPC ha mostrado un promedio a largo plazo del 3.0 % anual. En los últimos 40 años, el IPC más alto registrado fue del 13,5 % en 1980. Durante los 12 meses que terminaron el 30 de noviembre de 2025, el IPC para todos los consumidores urbanos (IPC-U) fue del 2,7%, según informó la Oficina de Estadísticas Laborales de EE. UU.
Cantidad total que actualmente tiene ahorrada para su jubilación. Incluya todas las fuentes de ahorros para la jubilación, como 401(k)s, IRAs y Annuities.
The amount you will contribute each month to your retirement savings that is in addition to any employer or employee contribution. This calculator assumes that you make your contribution at the beginning of each month. The tool also assumes that this amount increases at the rate of inflation annually until you retire. This could include IRAs, Roth IRAs, annuities or any retirement savings in non-retirement accounts.
This is the annual rate of return you expect from your investments before taxes. La tasa de rendimiento real depende en gran medida de los tipos de inversiones que elija. El índice Standard & Poor's 500® (S&P 500®) durante los últimos 10 años que finalizaron el 31 de diciembre de 2025, tuvo una tasa de rendimiento compuesta anual de 14.8 %, con la reinversión de dividendos. Desde el 1 de enero de 1970 hasta el 31 de diciembre de 2025, la tasa de rendimiento compuesta anual promedio del S&P 500®, con la reinversión de dividendos, fue aproximadamente del 11.3 % (fuente: www.spglobal.com). Desde 1970, el rendimiento más alto a 12 meses fue del 61 % (desde junio de 1982 hasta junio de 1983). El rendimiento más bajo a 12 meses fue del -43 % (desde marzo de 2008 hasta marzo de 2009). Las cuentas de ahorro en una institución financiera pagan menos, pero conllevan un riesgo significativamente menor de pérdida de saldos de capital.
Es fundamental tener en cuenta que estos escenarios son meramente hipotéticos y que las tasas de rendimiento futuras no pueden preverse con certeza. Además, las inversiones que ofrecen tasas de rendimiento más altas suelen estar expuestas a un mayor riesgo y volatilidad. La tasa real de rendimiento de las inversiones puede variar significativamente con el tiempo, en especial en las inversiones a largo plazo. También puede implicar la posible pérdida de capital invertido. No es posible invertir directamente en un índice y la tasa de rendimiento compuesta mencionada anteriormente no incluye los cargos por ventas ni otras tarifas que imponen los fondos de inversión o las empresas de inversión.
El porcentaje de los ingresos de su hogar antes de la jubilación que estima necesitar durante la jubilación. Esta cantidad se basa en los ingresos del hogar obtenidos durante el año inmediatamente anterior a su jubilación. Puede ajustar esta cantidad para que sea tan baja como el 40 % y tan alta como el 160 %. El porcentaje debe reflejar un monto después de impuestos si la mayoría de sus ahorros para la jubilación no están en una cuenta de ahorros con impuestos diferidos, como una cuenta 401(k), IRA u otra cuenta similar.
Enter the annual income streams that will be available in retirement. Examples include pensions, rental income, interest, etc. This amount is not adjusted for inflation.
Enter your annual amount from retirement work or employment. This amount is adjusted for inflation annually before and during your retirement.
Number of years you plan to work in retirement.
Esta es la cantidad neta proyectada por año que se requiere de los ahorros para la jubilación para cubrir los gastos de jubilación. If you include Social Security or pensions in your results, this is the net amount after those income sources.