See where you stand and what to do next toward retirement

We believe planning for retirement should be simple. And we’ll help make it easier with our combination of technology and people. 


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How much do I need to save for retirement?

1. See how much you need to retire

1. See how much you need to retire

Use our Retirement Savings Calculator to see how you’re doing.

 Calculate how much you’ll need to retire >

Retirement savings chart Retirement savings chart Retirement savings chart

2. Set yourself up for success, no matter where you stand

2. Set yourself up for success, no matter where you stand

We believe that following our Investing Principles can help keep you on the right path, so that you can retire on your terms.

  • Establish a plan based on your retirement goals. Think of this as the road map to your retirement destination.
  • Get invested. Build a diversified* portfolio based on your tolerance for risk.
  • Stay on track. Rebalance your portfolio regularly to keep aligned with your risk tolerance.

*Diversification does not ensure a profit or protect against losses.


3. See how Schwab can help you take these steps

3. See how Schwab can help you take these steps

  • Plan, invest, and stay on track with 1-on-1 guidance

    Stay on top of your savings with Schwab Intelligent Portfolios Premium™. Our robo-advisor builds, monitors, and automatically rebalances a diversified portfolio based on your goals, plus offers unlimited 1:1 guidance from a CFP® professional.

  • Explore our range of advice solutions

    Find investment advice options that range from high tech to high touch, or are a blend of both.

  • Talk to us

    Our U.S.-based retirement specialists are ready to answer your retirement questions 8:30 a.m.– 8 p.m. ET (Monday – Friday).

    Call us at 888-839-8242.


Egg in a nest

How can I make my savings last in retirement?

1. We start by helping you estimate how much you could withdraw

1. We start by helping you estimate how much you could withdraw


2. Take these steps to help make your money last

2. Take these steps to help make your money last

Figuring out how to generate income can be complicated. With Schwab’s four-step retirement income strategy, you can feel confident moving from saving to spending.

  • Plan your spending. Create a financial plan based on your goals, expected spending, and how long you need your money to last.
  • Choose your investments. Build a diversified portfolio that takes into account your desired growth, income, risk and timeline.
  • Tap your income sources. Generate a reliable income stream by tapping your entire portfolio, in tax smart ways.
  • Update your plan. Monitor and adjust your plan and portfolio regularly to make sure your money lasts, regardless of life or market changes.

3. Schwab can help you take these steps

3. Schwab can help you take these four steps

  • Automated investing with tax-smart withdrawals

    Schwab Intelligent Income™ handles the complexity of your income needs by using algorithms to generate a tax-smart withdrawal across all your selected accounts. Available with Schwab Intelligent Portfolios®.

  • Explore our range of income solutions

    Find income-generating solutions for every stage of retirement.

  • Talk to us

    Our U.S.-based retirement specialists are ready to answer your retirement questions 8:30 a.m.– 8 p.m. ET (Monday – Friday).

    Call us at 888-839-8242.


Two people icons How can Schwab help me with my retirement?

Need help understanding your retirement options?