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Free Dave Ramsey retirement calculator following the Baby Steps and 15% rule. Calculate retirement savings, emergency fund goals, and debt-free retirement planning with ourcomprehensive financial planning tool.
Last updated: February 2, 2026
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Invest 15% of your household income in retirement accounts
Step tracking
7 Baby Steps Progress
Monitor your progress through each Baby Step with specific goals
15% compliance
Income × 15% = Target
Ensure you're following Dave Ramsey's 15% investment rule
Emergency fund goals
$1,000 → 3-6 Months
Track your emergency fund progress through both phases
Debt-free approach
No Debt + 15% Rule
Calculate retirement needs without debt payments
Investment approach
Growth Stock Mutual Funds
Plan investments using Dave Ramsey's mutual fund strategy
Wealth building
Build Wealth & Give
Plan for wealth building and giving in retirement
For a 30-year-old earning $60,000, contributing $500/month (10% of income):
Retirement Balance
$1,234,567
Annual Income
$49,383
Our Dave Ramsey retirement calculator follows the proven Baby Steps methodology and 15% rule for retirement planning. The calculation applies compound interest principles to project retirement savings while ensuring compliance with Dave Ramsey's debt-free approach to wealth building.
Step 1: $1,000 Emergency FundStep 2: Pay Off All Debt (except house)Step 3: 3-6 Months of ExpensesStep 4: Invest 15% of Income in RetirementStep 5: Save for Children's CollegeStep 6: Pay Off Home EarlyStep 7: Build Wealth and GiveThis systematic approach ensures you build a solid financial foundation before focusing on retirement savings. The 15% rule in Step 4 provides a balanced approach to retirement investing.
Shows the progression through the Baby Steps
The calculator uses compound interest formulas to project retirement savings based on Dave Ramsey's principles. It assumes a 10% annual return (Dave Ramsey's recommended expectation for growth stock mutual funds) and applies the 4% withdrawal rule for retirement income calculations.
Need help with other financial planning? Check out our 401k loan calculator and BPS calculator.
Get Custom Calculator for Your PlatformResult: Projected Retirement Balance = $2,847,392
Annual Retirement Income (4% rule) = $113,896
$50,000 income, $750/month (15%)
Retirement Balance: $3,456,789
$80,000 income, $1,000/month (15%)
Retirement Balance: $1,234,567
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