Dave Ramsey Retirement Calculator

Dream Big About Your Retirement – See How Dave's Plan Can Make You a Millionaire

Tell Us About Your Retirement Dreams

Sure, you can wait until 67 for full Social Security, but why not retire earlier? With Dave's plan, you might not even need Social Security!

Years Until Retirement: 37 years

Count everything: 401(k), IRA, Roth IRA, that old 403(b) from your last job – all of it! Starting from zero? That's okay, everyone starts somewhere.

Dave's golden rule: invest 15% of your income for retirement, but only after you're debt-free with an emergency fund. Baby Steps work!

Dave loves to talk about the S&P 500's 10-12% historical average. We're being conservative with 8% here – better to be pleasantly surprised than disappointed!1

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Your Retirement Projection

Total Saved

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Total retirement contributions

Retirement Nest Egg

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Total value at retirement

Investment Growth

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Earnings from compound growth

Year-by-Year Retirement Savings Breakdown

Age Starting Balance Annual Savings Investment Growth Ending Balance