Methodology
Retirement value is projected from current savings, recurring contributions, expected growth rate, and years until retirement. A 4% withdrawal estimate is shown as a starting income benchmark.
Retirement Calculator
Plan your retirement and see if you're on track
Your Details
Results
Years to Retirement
30
Projected Fund at Retirement
$1,705,833.37
Annual Income (4% Rule)
$68,233.33
Needed for Expenses
$3,034,078.09
⚠ Not Quite There Yet
Retirement Tips
Start early—compound growth rewards time more than any other factor
Quick Facts
Historical stock market averages around 10% annually over long periods
Note
This calculator uses the 4% withdrawal rule for sustainable retirement spending
About the 4% Rule
The 4% rule suggests you can safely withdraw 4% of your retirement savings annually. This estimate uses this rule to determine if your projected fund will support your lifestyle.
Last updated: February 2026
How this retirement calculator works
The calculator projects savings growth from current assets and yearly contributions, then adjusts spending goals using inflation assumptions to estimate retirement readiness.
- Projected fund uses assumed annual return and contribution schedule
- Needed amount estimates retirement expenses in future dollars
- On-track status compares projected fund vs target need
Retirement calculator FAQ
Why does inflation matter so much?
Inflation increases future living costs, so retirement income targets must account for reduced purchasing power.
Is the 4% rule guaranteed?
No. It is a planning rule of thumb, not a guarantee. Real outcomes depend on market returns and spending behavior.
What if I am not on track?
Common adjustments include increasing contributions, delaying retirement, lowering expected expenses, or revisiting return assumptions.
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Assumptions
- Contribution levels remain consistent over time.
- Average return and inflation assumptions are stable.
- The 4% rule is used as a general planning heuristic, not a guarantee.
Worked example
Example: age 35, retire at 67, current savings $80,000, monthly contribution $700, expected return 6.5%. The tool projects retirement balance and a preliminary annual income estimate using 4% of projected assets.
Edge cases and limitations
- Sequence risk and market drawdowns near retirement are not modeled in detail.
- Healthcare costs, taxes, and Social Security claiming choices can significantly change outcomes.
- Early retirement plans may need lower withdrawal rates and larger buffers.
When this calculator is not appropriate
It is not a substitute for fiduciary retirement planning, tax strategy, or estate planning advice.