How this calculator works for Montana residents

Montana residents in Billings, Missoula, Great Falls, Bozeman, and Helena can use this Ramsey calculator to project retirement savings with Baby Step 4 and Ramsey's growth assumptions.

Key features for Montana planning

• 15% Contribution Rule — Invest 15% of gross household income into retirement accounts, following Baby Step 4.
• 8% Withdrawal Rate — Withdraw up to 8% of your nest egg annually based on Ramsey's growth portfolio assumptions.
• Pension & Social Security — Subtract expected pension and Social Security income from your monthly retirement need.
• Couples Mode — Combine both spouses' incomes, ages, and savings into one household projection.
• Employer Match — Include matching contributions from your workplace retirement plan.