The calculator assumes retirement begins for a married couple when the first spouse retires. The working spouse’s salary will be treated as income earned in retirement. If you plan to retire in a different year than your spouse, consider running the detailed version of the calculator for each spouse separately and indicating “Single.” If one spouse is already retired, run the detailed version of the calculator and indicate “Single.”

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

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American Funds Distributors, Inc., member FINRA.