Retirement Calculator
Plan your retirement with our comprehensive calculator. See how much you need to save for retirement, whether your 401(k) and IRA are on track, and calculate using the 4% withdrawal rule.
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Your retirement plan needs attention
Projected Savings at Retirement
$2,334,884
Years to Retirement
35 yrs
Retirement Duration
25 yrs
Amount Needed
$2,670,284
Sustainable Monthly Income
$7,783
Savings Gap Detected
Save an additional $186 per month to reach your goal
Progress to Goal87%
Why Use Retirement Calculator?
Planning for retirement is one of the most important financial decisions you'll make. Our calculator helps you understand how your current savings rate and investment returns will grow over time. See if you're on track to meet your retirement income goals and what adjustments you might need to make.
Frequently Asked Questions
How much do I need to retire?
A common rule is the '25x rule' - save 25 times your annual retirement expenses. This supports a 4% annual withdrawal rate. For $50,000/year in retirement, you'd need $1.25 million.
What return rate should I expect?
Historically, a diversified stock portfolio has returned about 7-10% annually before inflation. A balanced portfolio might expect 5-7%. Be conservative in your estimates.
Why include inflation?
Inflation erodes purchasing power over time. $5,000/month today won't buy as much in 30 years. Including inflation ensures your retirement income maintains its value.
What is the 4% rule?
The 4% rule suggests you can withdraw 4% of your retirement savings in the first year, then adjust for inflation each year after. This strategy historically has sustained portfolios for 30+ years.
When should I start saving for retirement?
The earlier the better! Starting at 25 vs 35 can mean having 2-3x more at retirement due to compound interest. Even small contributions early on make a significant difference.