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Wer bist du ?

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Wer bist du ?

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Qui êtes vous ?

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Wer bist du ?

Wählen Sie einen anderen Ort

Qui êtes vous ?

Sélectionnez un autre emplacement

Who are you ?

Select another location

Who are you ?

RETIREMENT PLAN INVESTOR

Use your plan ID (available on your account statement) to determine which employer-sponsored retirement plan website to use:

IF YOUR PLAN ID BEGINS WITH IRK, BRK, 1, 2 OR 754

Visit americanfunds.com/retire

IF YOUR PLAN ID BEGINS WITH 34 OR 135

Visit myretirement.americanfunds.com

Getting started

Retire when you want

I want to retire in ...

No matter where you are in your retirement journey, we can help you pursue your goal.

Retirement calculator

Tell us a few things about yourself.

Here's where things stand today:

I am
years old
If married, enter age of oldest partner or first expected to retire. Age determines when full Social Security retirement benefits are available.
,
my annual income
is
Enter your current yearly salary before taxes. If you are married and your partner receives a salary, enter the combined value of both annual incomes.
and I have
saved
Enter an amount between $0 and $10,000,000 for the current dollar value of your assets. If married, enter your combined savings amounts. Pretax or tax-exempt savings includes anything held in tax-advantaged retirement accounts (IRAs, 401(k)s and 403(b)s, variable and fixed annuities, etc.). Taxable investments to be used for retirement income may include stocks, taxable bonds, mutual funds, savings accounts, etc. See the assumptions and definitions page for more details.

(pretax or tax-exempt) and
(taxed).

See retirement calculator assumptions and definitions


Each month, I plan to save:
Enter an amount between $0 and $10,000,000 for the current value of all pretax and taxable investments. If married, enter your combined savings amounts.

(pretax or tax-exempt)

Traditional and Roth 401(k)s, 403(b)s, IRAs, etc.

(taxed).

Stocks, bonds, mutual funds, CDs, savings accounts, etc.

That’s 10% of my monthly income.

How much will I need to retire?
The calculator assumes you will need 80% of the salary you make in the year prior to reaching retirement age. Social Security retirement benefits contribute 40% of last salary year, not to exceed $34,332 per person or married couple. See the assumptions and definitions page for more details.

See how your projected savings compare

with potential income needs in retirement.

My retirement goal:

My potential nest egg:

How to build your plan

ESTIMATE WHAT YOU’LL NEED

Determine what you have saved so far and then use the above retirement calculator to estimate what you’ll need.

MAX OUT TO CATCH UP

Contributing as much as you can to your 401(k) is a good first step to getting on track or catching up.

 

KEEP ON SAVING

In addition to a workplace plan and depending on your income and tax-filing status, consider the benefits of traditional and Roth IRAs.

REVIEW AND REBALANCE

Check on your accounts each quarter to make sure they’re working for you and your goals.

 

Meet Lauren

It’s never too late

Student debt and market crashes kept her from starting to save earlier in her career. Now she worries she won’t have time to catch up.

While she can’t make up for lost years, there’s no better time to start than now. Even a small amount of saving can go a long way.

LAUREN’S STRATEGY: Growth funds

Are you over 40?

Explore more retirement topics, checklists and tools for women over 40.

1 Source: "Policy Basics: Top Ten Facts About Social Security," Center on Budget Policy and Priorities, August 2020.

2 Source: "Retirement Confidence Survey," Employee Benefits Research Institute/Greenwald, 2020.

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.

Each target date portfolio is composed of a mix of underlying funds and is subject to the risks and returns of those funds. Underlying funds may be added or removed during the year. Although the target date portfolios are managed for investors on a projected retirement date time frame, the allocation strategy does not guarantee that investors' retirement goals will be met. The target date is the year that corresponds roughly to the year in which an investor is assumed to retire and begin taking withdrawals. Investment professionals manage the portfolio, moving it from a more growth-oriented strategy to a more income-oriented focus as the target date gets closer. Investment professionals continue to manage each portfolio for approximately 30 years after it reaches its target date. Investment professionals gradually adjust a college target date portfolio over time so that it becomes more preservation-oriented. The college target date is the year that corresponds roughly to the year in which the beneficiary is expected to begin taking withdrawals. The allocation strategy does not guarantee that investors' education savings goals will be met. Investors and their financial professionals should periodically evaluate their investment to determine whether it continues to meet their needs.

The return of principal for bond funds and for funds with significant underlying bond holdings is not guaranteed. Fund shares are subject to the same interest rate, inflation and credit risks associated with the underlying bond holdings.

This material does not constitute legal or tax advice. Investors should consult with their legal or tax advisors.

Statements attributed to an individual represent the opinions of that individual as of the date published and do not necessarily reflect the opinions of Capital Group or its affiliates. This information is intended to highlight issues and should not be considered advice, an endorsement or a recommendation.

All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund. All other company and product names mentioned are the property of their respective companies.

Use of this website is intended for U.S. residents only.

American Funds Distributors, Inc., member FINRA.

This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.