Retirement Calculator
Project your retirement savings, estimate monthly income, and see whether you are on track for retirement.
Calculator Inputs
How much you want per month in retirement
Total at Retirement
$1,475,835
Total Contributions
$260,000
Investment Growth
$1,215,835
Safe Monthly Income
$4,919
Using the 4% rule
Years of Income
50+ years
At $4,000/mo withdrawal
Monthly Shortfall
+$919
You have a surplus
Savings Growth Over Time
Understanding Retirement Planning
The earlier you start saving, the more compound interest works in your favor. Even modest monthly contributions can grow to substantial sums over decades. The "safe monthly income" shown above uses the 4% rule, a widely cited guideline that suggests withdrawing 4% of your portfolio per year to make your savings last 30 years.
Key Factors
Your retirement outcome depends on how much you save, how long you invest, and your rate of return after inflation. Increasing your monthly contribution by even $100 can add tens of thousands to your retirement balance. Consider maxing out tax-advantaged accounts like a 401(k) or IRA before investing in taxable accounts.
Take the Next Step
Now that you have the numbers, here are some ways to act on them.
Open a Roth IRA
Tax-free growth for retirement. Start with as little as $1 at most brokerages.
Compare IRA Options→Talk to a Financial Advisor
Get a personalized retirement plan from a fiduciary advisor.
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