Checkup Worksheet

Let's put it all together now. You have estimated your longevity, expenses, income, and rate of return for your retirement savings. Use this calculator to see if you are saving enough to retire to the life you envisioned in Step 1.

Estimate Your Retirement Savings Contribution Rate

Calculate how much you need to save for retirement
1. What is your annual income*	$
a. What is your average overtime income (for the last three years)?	$
b. What is your current income from additional sources?	$
Total current annual income	$
2. Your projected annual pension(s) (annual amount in current dollars)	$
3. Your projected annual social security (annual amount in current dollars)	$
4. Retirement savings available now (including 457, 401, 403(b), and IRAs)	$
5. Annual investment returns for your current savings
6. Annual investment returns for your savings in retirement
7. Inflation Rate*
8. Age*
9. Desired retirement age*
10. Annual income desired in retirement*	$
11. What is your estimated life expectancy?*
12. Do you have any one-time expenses?	$

* Required field

Results
1. Number of years until retirement
2. Total retirement income from pensions and Social Security	$
3. This number is the estimated total amount of savings you will need at retirement.	$
4. This number is the estimated value of your current savings at retirement.	$
5. The surplus is your estimated current savings from your estimated total savings.	$
6. To make up this difference, you will need to annually save	$
7. Your approximate annual contribution rate is

Now that you have an estimate for your annual contribution rate, let's go on to your personal retirement action plan

This information is being provided for educational purposes and is not intended to be construed as or relied upon as investment advice. The ICMA Retirement Corporation does not offer specific tax or legal advice. Individuals are advised to consider any new investment strategies carefully prior to implementing. Please consult both the current Vantagepoint Funds prospectus and MAKING SOUND INVESTMENT DECISIONS: A Retirement Investment Guide carefully for a complete summary of all fees, expenses, charges, financial highlights and investment objectives, risks and performance information prior to investing any money. Vantagepoint securities are distributed by ICMA-RC Services LLC, a broker dealer affiliate of ICMA-RC, member NASD/SIPC. For a current prospectus, contact ICMA-RC Services LLC, 777 North Capitol Street NE, Washington, DC 20002-4240. 1-800-669-7400. VantagePlanning fee based financial planning services are offered through the ICMA Retirement Corporation, a federally registered Investment Adviser. Please consult all disclosure documents carefully prior to initiating any plan. Before making any investment decisions, you are encouraged to consult with your own financial, tax or legal advisor. ICMA-RC does not provide specific tax or legal advice. Past performance is not indicative of future returns.