Retirement Calculator
Project your retirement savings balance and monthly income based on your savings rate and investment return.
Retirement Details
Results
Projected balance at retirement
$1,193,434.17
Inflation-adjusted: $502,878.63 in today's dollars
Total contributions
$235,000.00
Investment growth
$958,434.17
Years to retirement
35 years
Estimated retirement income (4% rule)
$3,978.11/month
$47,737.37/year
Savings Growth Over Time
How to Plan for Retirement
This retirement calculator projects how much your savings will grow by retirement age based on your current balance, monthly contributions, and expected investment return. The gap between the blue line (total balance) and green line (contributions) shows how much of your wealth is built by investment returns — not just saving.
The 4% Withdrawal Rule
The 4% rule (also called the safe withdrawal rate) estimates how much you can withdraw annually from your retirement portfolio without running out of money for at least 30 years. This is a planning estimate — actual sustainability depends on market conditions, your spending needs, and life expectancy.
Starting Early Makes the Biggest Difference
Due to compound growth, someone who saves $400/month from age 25 will retire with significantly more than someone who saves $800/month starting at 40 — despite contributing half the total dollars. Every decade you delay roughly doubles the monthly contribution needed to reach the same retirement balance.