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

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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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Jean Chatzky next to words saving for retirement

1:36

It’s Not Too Late to Start Saving for Retirement

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Finances

AARP Money Map™

Get your finances back on track with a free action plan

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Finances

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Dave Kindred chronicles retirement 2nd act in new book

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Is a Robo-Adviser Right for My Retirement Savings?

Pros and cons of using automated managers for IRAs

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Why Americans Are So Pessimistic About Retirement

Inflation, state of Social Security among fear factors

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How Couples Can Avoid Annoying Each Other in Retirement

Tips for creating separate spaces and respecting alone time

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Does ChatGPT Give Good Retirement Planning Advice?

How the AI chatbot handles saving, investment questions

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Where to Find Retirement Refuge From Extreme Heat

These 6 states may suffer less from climate change

4 Reasons Not to Cash Out 401(k) When You Leave a Job

2 in 5 departing workers drain retirement accounts

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5 Best Reasons to Retire to Georgia

Could the Peach State be your future home?

Illustration of an office being emptied, with a 401(k) document left behind in a desk drawer

5 Steps for Tracking Down Old 401(k)s and Other Lost Money

A new federal database will make it easier to find your retirement funds from past jobs

a couple sitting on the rim of the Grand Canyon

6 Reasons to Consider an Arizona Retirement

Sunshine, desert vistas, world-class golf among draws

social security cards, cash, and bank statement

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

Waiting to claim benefits can bring lifetime rewards

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How to Take Withdrawals When the Market Is Falling

Keep a cash stash and give your stocks time to recover

Famous painted ladies houses with San Francisco downtown skyline in the background

Do You Really Need to Save $1 Million to Retire?

Base savings goal on how, and where, you want to live

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.