Retirement Calculator
Enter your age, current savings and monthly contribution to project a balance at retirement, plus the income a given withdrawal rate would produce from it.
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Projected balance at 65
$1,409,327
- Years to retirement
- 30
- Total contributed
- $363,000
- Growth
- $1,046,327
- Income at 4% / yr
- $56,373 ($4,698/mo)
Projections assume a constant return, which real markets do not provide. This is an illustration, not a forecast, and ignores inflation and taxes.
Frequently asked questions
- What is the 4% rule?
- A widely cited guideline suggesting a retiree can withdraw about 4% of their portfolio in the first year, adjusted for inflation thereafter, with a reasonable chance of the money lasting 30 years. It is a starting point, not a guarantee.
- Does this account for inflation?
- No — the projection is in nominal dollars. The investment calculator shows the same figure adjusted to present-day purchasing power.