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Retirement Calculator
Estimate savings needed, monthly contributions, and retirement income.
Timeline & savings
Your age, target retirement age, and current nest egg.
yr
yr
$
$
%
Retirement income goal
Target monthly income in today's dollars, plus Social Security.
$
$
%
%
What if?
Stress-test your plan
Toggle a preset to see how small changes affect your retirement income and nest egg.
Retirement Projection
30 years to retirement · 4.00% withdrawal rule
You may have an income gap at retirement
Projected income falls short of your inflation-adjusted goal under these assumptions.
- Shortfall of $3,429.12/mo at retirement (inflation-adjusted). Saving $964.12/mo more may close the gap.
At Retirement$1,362,491
$1,362,491
Projected Balance
$4,541.64
Portfolio Withdrawal / mo
$4,614.65
Social Security / mo
$9,156.28
Total Income / mo
Savings Growth Over Time
| Age | Balance | Contributions | Growth |
|---|---|---|---|
| 36 | $99,790 | $94,000 | $5,790 |
| 37 | $115,542 | $103,000 | $12,542 |
| 38 | $132,317 | $112,000 | $20,317 |
| 39 | $150,182 | $121,000 | $29,182 |
| 40 | $169,209 | $130,000 | $39,209 |
| 41 | $189,473 | $139,000 | $50,473 |
| 42 | $211,054 | $148,000 | $63,054 |
| 43 | $234,037 | $157,000 | $77,037 |
| 44 | $258,515 | $166,000 | $92,515 |
| 45 | $284,584 | $175,000 | $109,584 |
| 46 | $312,347 | $184,000 | $128,347 |
| 47 | $341,914 | $193,000 | $148,914 |
| 48 | $373,404 | $202,000 | $171,404 |
| 49 | $406,940 | $211,000 | $195,940 |
| 50 | $442,656 | $220,000 | $222,656 |
| 51 | $480,694 | $229,000 | $251,694 |
| 52 | $521,204 | $238,000 | $283,204 |
| 53 | $564,347 | $247,000 | $317,347 |
| 54 | $610,295 | $256,000 | $354,295 |
| 55 | $659,229 | $265,000 | $394,229 |
| 56 | $711,344 | $274,000 | $437,344 |
| 57 | $766,847 | $283,000 | $483,847 |
| 58 | $825,957 | $292,000 | $533,957 |
| 59 | $888,909 | $301,000 | $587,909 |
| 60 | $955,953 | $310,000 | $645,953 |
| 61 | $1,027,355 | $319,000 | $708,355 |
| 62 | $1,103,398 | $328,000 | $775,398 |
| 63 | $1,184,384 | $337,000 | $847,384 |
| 64 | $1,270,635 | $346,000 | $924,635 |
| 65 | $1,362,491 | $355,000 | $1,007,491 |
How this works
- Portfolio income uses the 4.00% rule on your projected balance.
- Income goals and Social Security are inflated at 2.50%/yr to retirement age.
- Illustrative only — not tax, RMD, or healthcare modeling.
Retirement Calculator — Savings & Income Projection
Estimate whether your current savings and contributions are on track for a retirement income goal. Project portfolio growth, withdrawal sustainability, and monthly savings needed to close gaps.
Common questions
- How much should I save for retirement?
- Rules of thumb vary. A common starting point is 15% of income including employer match, but your target depends on age, existing savings, expected Social Security, and desired lifestyle. Use this tool to model your specific numbers.
- What withdrawal rate is sustainable?
- The 4% rule is a starting heuristic for a 30-year retirement, not a guarantee. Market returns, longevity, healthcare costs, and taxes all matter. Model conservative withdrawal rates in your plan.