Dave Ramsey Retirement / Locations / California
Dave Ramsey Retirement Calculator
California
California's high cost of living makes retirement planning critical. This Ramsey calculator helps Californians in Los Angeles, San Francisco, San Diego, Sacramento, and San Jose see if they're on track with the 15% rule.
How this calculator works for California residents
This Dave Ramsey retirement calculator follows the same Baby Step 4 methodology wherever you live. It projects your retirement nest egg using the 15% contribution rule, Ramsey's recommended 8% withdrawal rate, and his 12% growth stock mutual fund assumption. California residents can enter their household income, current retirement savings, employer match details, pension income, and expected Social Security benefits to see if they're on track for the retirement they want.
Key features for California planning
- 15% Contribution Rule — Baby Step 4 says invest 15% of gross household income. The calculator applies this automatically in Ramsey mode.
- 8% Withdrawal Rate — Ramsey's recommended sustainable withdrawal rate for 100% equity growth stock mutual fund portfolios.
- Pension & Social Security — Offset your required nest egg by entering expected monthly pension and Social Security income.
- Couples Mode — Toggle separate incomes for dual-income California households to project combined retirement readiness.
- Employer Match — Include your California employer's 401(k) or 403(b) match to boost your projection.
Ready to plan your retirement?
Head to the main calculator to enter your California household details and see your projected nest egg, monthly retirement income, and on-track percentage in real time.
Open Calculator