Retirement

Get help with retirement planning, from how much money to save before you retire to how to manage your savings

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Your Guide to Retirement Made Easy

Use AARP resources to see how much money you need to save and how much you can afford to spend — without worrying about running out of money.

What every retirement saver needs to know

It's never too late to adjust your retirement savings plan. Look at how changes to tax laws, Social Security benefits, health care costs and other expenses are impacting your cost of living.

Be sure to consider changes to your personal circumstances, such as marriage or divorce. Check our articles for current information and useful resources to help recalculate your strategy.

Your financial plan is often the best place to start, whether you want to improve your home, take income distributions from your nest egg or find a way to reduce your taxes.

Plan now for the lifestyle you want.

10 Steps to Get Started

Reality Check — 10 Biggest Living Expenses

How Much More Can You Contribute to a 401(k) Retirement Account in 2022 and 2023?

Everything You Need to Know About Roth IRAs

What You Should Know About 403(b) Retirement Plans

A Saver’s Guide to SECURE 2.0

A Field Guide to Managing Money in Bear Markets

What Retirees Can Learn From 2022’s Miserable Markets

Top 5 States Where Retirees Are Moving

12 States Don't Tax Retirement Distributions

Retiring in Mexico

What to Do If You Receive a Financial Windfall

VIDEOS ABOUT RETIREMENT

1:02

4 Ways to Increase Your Retirement Savings

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2:22

Consequences of Claiming Social Security at 62

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1:36

It’s Not Too Late to Start Saving for Retirement

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Financial Planning

Interview an Advisor™ Tool

A free resource to help you assess a financial advisor

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AARP® MyVision Care provided through EyeMed

Vision plans exclusively for members starting at $4.38/month

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How to Start Saving For Retirement at 50

It's never too late to build your nest egg

Meditating businessman in zen pose seated on a flying carpet of a dollar bill

Are You Emotionally Ready for Retirement?

Take steps to prepare your mind as well as your money

a social security card with money and a bank statement

Using Your 401(k) Funds to Get Higher Social Security Payout

Waiting to claim benefits can bring lifetime rewards

view of man driving open top convertible car towards an unknown destination - the words NO TAX are superimposed in the sky

14 States That Don't Tax Pension Payouts

You may keep more retirement income, but there are other factors

an illustration of financial graphics that show a downward direction, superimposed over U.S. currency in the background

How to Take Withdrawals When the Market Is Falling

Keep a cash stash and give your stocks time to recover

A flat wooden piggy bank on a dark background is labeled IRA.

Should I Tap My IRA to Buy a House?

Ed Slott answers your IRA questions

abstract montage of stacked coins and graphs labeled with the year 2022 to represent a financial forecast

What Every Retirement Saver Needs to Know

Changes in contribution limits, tax rules and more

Find the Best Place For Your Retirement

Creative and innovative housing options

close up of hands writing on a power of attorney form for property and financial affairs

6 Steps to Protect Your Money From Cognitive Decline

Who will act in your best interest?

high angle of a couple headed in different directions with a diverging line of footprints trailing behind

5 Mistakes Couples Make When Planning for Retirement

Steps to avoid disagreements

RETIREMENT PLANNING TOOLS

AARP's Retirement Calculator

This tool will give you a personalized snapshot of what your financial future might look like. Simply answer a few questions about your household status, salary and retirement savings, such as an IRA or 401(k).

401(k) Savings & Planning Calculator

Use this simple 401k calculator to see how much your 401k will contribute towards your retirement to help you save. Earn AARP Rewards points!

Social Security Calculator

The amount of your Social Security benefit will depend on your average income over your working years, your spouse’s average income and the age at which you claim benefits. This calculator will help you decide when to claim and show you how to maximize your benefits.

Learn and Earn with AARP Rewards

1 LEARN & DO

Try knowledge-boosting quizzes, kick-in-the-pants fitness tracking, number-crunching money tools and other good-for-you activities!

2 EARN POINTS

Why wait when you can reap benefits here and now? Score points every time you tackle an AARP Rewards activity.

3 CELEBRATE

Trade in your points for sweepstakes entries, local deals, discounted gift cards, charitable donations or once-in-a-lifetime adventures.

1 LEARN & DO

Do knowledge boosing quizzes, kick-in-the-pants fitness tracking, number-crunching money tools, and other good-for-you activities!

2 EARN POINTS

Why Wait for the future when you reap benefits here and now? Score points every time you tackle an AARP Rewards activity.

3 CELEBRATE

Trade in your points for sweepstake entries, local deals, discounted gift cards, charitable donations or onc- in-a-lifetime adventures.

Retirement