Down Payment & Closing Costs

Calculate savings needed and timeline

Home Buying Journey

Journey progress

60% complete

Start Your Retirement Journey

📊 Current Situation

Your Age *

Target Retirement Age *

Current Annual Salary ($) *

Current Retirement Savings ($)

🏢 Employer Benefits

Employer 401(k) Match (%)

Common match is 3-6%

Match Limit (% of salary)

Maximum % they'll match

🎯 Retirement Goals

What percentage of your current income do you want in retirement?

70% of current income

Conservative - assumes lower expenses

80% of current income

Moderate - maintains lifestyle

100% of current income

Comfortable - no lifestyle change

How much can you contribute monthly? ($)

Start with what you can afford

📈 Investment Strategy

Risk Tolerance

Investment Preferences

Target-date fund (set it and forget it) Low-cost index funds Roth IRA for tax-free growth Get professional investment advice

Previous: What Can You Afford?

Next: Optimize Your Debt

🚀 Why Start Early?

Compound Interest: Time is your biggest advantage.

Employer Match: Free money you shouldn't miss.

Tax Benefits: Reduce taxes while saving.

Habit Building: Start small, increase over time.

💡 Retirement Tips

Start Small: Even $50/month makes a difference.

Increase Annually: Boost contributions with raises.

Diversify: Don't put all eggs in one basket.

Review Regularly: Adjust as life changes.