Estimate your future wealth. See how your current savings and monthly contributions compound over time to build your retirement corpus.
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A retirement calculator estimates how much money you need to save to maintain your desired lifestyle after you stop working. It factors in your current age, savings rate, investment returns, inflation, and expected retirement expenses. The fundamental question it answers: will your money outlast you? Pair it with our 401k calculator to optimize employer-sponsored contributions.
Every working adult, regardless of age, should run a retirement projection at least once a year. It is especially critical for people in their 30s and 40s who still have time to course-correct. Those pursuing early retirement should also use our FIRE calculator for more aggressive scenarios.
Example Input
Current age: 30. Target retirement age: 65. Current savings: $50,000. Annual salary: $85,000. Monthly contribution: $850. Expected return: 7%. Annual expenses in retirement: $60,000.
Sample Output
Projected savings at 65: $1,420,000. Required nest egg (4% rule): $1,500,000. Shortfall: $80,000. Increase monthly contribution by $95 (to $945) to close the gap.
Example Input
Current age: 28. Target retirement age: 50. Current savings: $120,000. Monthly contribution: $3,500. Expected return: 8%. Annual expenses: $48,000.
Sample Output
Projected savings at 50: $2,180,000. Required nest egg (3.5% safe withdrawal for early retirees): $1,371,000. Surplus: $809,000. On track for early retirement with a comfortable margin for sequence-of-returns risk.
Run it after every raise to increase your savings rate. Use it when deciding between a Roth IRA and traditional 401k. Check it after market downturns to see if you are still on track. Use it to model the impact of delaying retirement by 2-3 years on your quality of life.
Use real (inflation-adjusted) returns of 5-7% rather than nominal returns of 8-10%. Always include healthcare costs, which average $315,000 per retired couple in the US. Model your Social Security benefit as a supplement, not a primary income source. Read our guide on how much you should have saved by age for benchmarks.
The biggest mistake is assuming a constant 10% market return with no inflation. Always use real (inflation-adjusted) returns, typically around 5% to 7%. Another pitfall is forgetting to plan for taxes in retirement; use our capital gains tax calculator to estimate your future tax drag. Finally, many people underestimate longevity—plan for at least 30 years of retirement.
A common rule of thumb is 25x your annual expenses (the 4% rule). If you spend $60,000 per year, you need $1,500,000. For early retirees, a more conservative 33x (3% withdrawal rate) is recommended to account for a longer retirement period.
The 4% rule, derived from the Trinity Study, states that you can withdraw 4% of your portfolio in the first year of retirement, then adjust for inflation each year, with a very high probability of your money lasting 30 years. It assumes a balanced stock/bond portfolio.
Yes, but conservatively. The average Social Security benefit is about $1,900/month ($22,800/year). However, benefits may be reduced by 23% after 2033 if Congress does not act. Plan for 75% of your projected benefit as a safety margin.
The calculation runs in your browser where supported (Chrome, Safari, Edge, and Firefox). No account is required. Use the projection to compare assumptions, then review investment, tax, and benefit details with current official sources or a qualified professional.
Follow this 3-step planning sequence to compare the current calculator with the next useful financial or career check.
Current calculation completed with your latest planning inputs.
Estimate your US tax withholding and compare a projected refund or balance due using the assumptions shown.
Access all salary, tax, and career calculators in one unified hub.
Pair this calculator with related tools to compare salary, tax, savings, and career outcomes.
Project a US 401(k) balance with employee contributions, employer match, and growth assumptions.
Estimate how recurring Roth IRA contributions may grow toward retirement.
Calculate how your money grows over time with compound interest, visualizing year-by-year growth.
Estimate a Financial Independence, Retire Early (FIRE) target and timeline from your assumptions.
Calculate your personal savings rate from your income and expenses, with an optional comparison range.
Calculate the impact of inflation on your money over time using historical data or custom rates.
Unlock the foundational mathematics behind the FIRE movement. Learn why your personal savings rate controls your retirement timeline, master the 4% Safe Withdrawal Rule, compare Lean, Fat, and Coast FIRE, and bypass early account withdrawal penalties.
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