Enter your income and savings above to see your results.
Frequently asked questions
What savings rate is needed to retire early?
The required savings rate depends on spending, expected returns, and the target timeline. Higher savings rates shorten the path to financial independence sharply, because they both grow the portfolio faster and lower the spending it must eventually support. The calculator maps income and annual savings to a rate and an estimated financial-independence timeline.
How is savings rate calculated?
Savings rate is annual savings divided by income. RetireLab can include an employer match and existing assets, then projects how many years at that rate are needed to reach financial independence, using the same return assumptions as the simulation engine.