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 Making Retirement Easy

Retirement planning gets easier when you 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.

Get Started

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Quiz: Test Your Knowledge of 99 Great Ways to Save

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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See more Financial Planning offers >

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MEMBER BENEFIT

Health & Wellness

AARP® MyVision Care provided through EyeMed

Vision plans exclusively for members starting at $4.38/month

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See more Health & Wellness offers >

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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