NCOFCU Retirement Center

Retirement Savings Calculator

Estimate how much your current savings and future contributions could grow by your planned retirement date.

Retirement Income Planner

Compare expected income from savings, Social Security, pension benefits, and other sources with your monthly goal.

Pension Estimator

Build a simple estimate using years of service, final average salary, and your pension multiplier.

How to Use the Retirement Center

Start with the Savings Calculator, then review the Income Planner and Pension Estimator. Your entries are used only in your browser and are not sent to NCOFCU. When finished, open “My Retirement Snapshot” to see a one-page summary that you can print or discuss with your credit union or financial professional.

Retirement Savings Calculator

Current age

Planned retirement age

Current retirement savings

Monthly contribution

Annual employer contribution

Expected annual return (%)

Inflation rate (%)

Planned withdrawal rate (%)

Your Retirement Readiness

Estimated status Complete the income section

0%of income goal

Your readiness score

The score compares estimated monthly retirement income with the monthly income goal you enter.

Projected savings at retirement$0

Value in today's dollars$0

Estimated monthly portfolio income$0

Additional monthly savings needed$0

Save an extra $100 each month$0

Retire two years later$0

Earn 1% less annually$0

Retirement Income Planner

Desired monthly retirement income

Estimated monthly Social Security

Estimated monthly pension

Other monthly retirement income

Your Monthly Retirement Income

From savings$0

Social Security$0

Pension$0

Other income$0

Total estimated monthly income$0

Monthly surplus or gap$0

What this means: Enter your expected income sources and select “Update Income Plan.”

Pension Estimator

Years of credited service

Final average annual salary

Pension multiplier (%)Example: enter 2.5 for a 2.5% multiplier.

Estimated survivor reduction (%)

Estimated Pension Benefit

Estimated annual pension$0

Estimated monthly pension$0

Important: This is a simplified estimate. Actual benefits depend on your pension plan's rules, eligibility requirements, salary definition, service credits, cost-of-living adjustments, survivor options, and other factors.

My Retirement Snapshot

Planned retirement age—

Projected savings at retirement$0

Estimated total monthly retirement income$0

Monthly income goal$0

Estimated monthly surplus or gap$0

Estimated additional monthly savings needed$0