How does inflation impact my retirement income needs?

It may surprise you how much inflation can erode purchasing power. Use this calculator to estimate how much more income you may need when factoring in inflation between now and until you reach retirement to keep the same standard of living that you may have today.
Current age 
Current gross annual income ($) 
Anticipated inflation rate (%)help
Desired retirement age 
Life expectancy age 
Income to replace at retirement (%) 
Note: This information is not intended by The Guardian Life Insurance Company of America (Guardian) or any of its affiliates, subsidiaries, employees or agents to be considered tax, legal or investment advice. Any rate of return entered into the calculator to project future values should be a reasonable average return for the period. Actual rates of return will vary over time. Keep in mind that it is possible to lose money and not achieve the objectives of this calculator.

The information provided here is to assist you in planning for your future. Any analysis is a result of the information you have provided. This presentation is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary, and you should consult your tax or legal advisor for guidance and information specific to your situation. Guardian and its affiliates or subsidiaries are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by this calculator. To learn more about Guardian, visit

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