Are You on Track to Retire?

How to tell if you’ve saved enough to retire when you want, and what to do if you haven’t.

(Image credit: Gabriella Marks)

Many people get serious about calculating whether they are on target to retire when they hit their fifties. That’s often when reality starts to sink in and retirement no longer seems like just a vague goal. Figuring out whether you’ll have enough assets and income to cover a retirement that can easily stretch to 30 years can be daunting, but there’s no lack of advice out there. For a quick-and-dirty way to see if you’re on track, you could check one of the multitude of savings benchmarks financial firms offer. Or you could use one of the many online retirement calculators provided by Fidelity Investments, T. Rowe Price, Vanguard and others. (Kiplinger also offers a calculator at

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Eileen Ambrose
Senior Editor, Kiplinger's Personal Finance
Ambrose joined Kiplinger in June 2017 from AARP, where she was a writer and senior money editor for more than three years. Before that, she was a personal finance columnist and reporter at The Baltimore Sun, and a reporter and assistant business editor at The Indianapolis Star. Ambrose has a master's degree in journalism from the Medill School of Journalism at Northwestern University, and a bachelor's degree in art history from Indiana University.