Retirement Calculator
Project your retirement nest egg based on your current savings, monthly contributions, and expected annual return. See the power of compound growth and estimate monthly income using the 4% rule.
Projected balance at age 65
$1,015,589
Est. monthly income (4% rule): $3,385/mo
Your Contributions
$220,000
Investment Growth
$795,589
Portfolio Growth by Age
The Power of Starting Early
Starting retirement savings at 25 vs. 35 can result in more than double the final balance — not because you contribute more, but because your investments have an extra decade to compound. Even small monthly contributions add up dramatically over 30–40 years.
Frequently Asked Questions
How much money do I need to retire?
A common rule of thumb is to save 25× your annual expenses (the 4% rule). For example, if you spend $50,000 per year, you'd need $1.25 million. This lets you withdraw 4% annually with a high probability the money lasts 30+ years.
What is the 4% rule for retirement?
The 4% rule, based on the Trinity Study, suggests withdrawing 4% of your portfolio in year one of retirement, then adjusting for inflation each year. Historically, this approach has a high success rate over 30-year retirements.
What annual return should I use for retirement planning?
A commonly used assumption is 7% nominal return (roughly 5% real after inflation), reflecting a diversified stock/bond portfolio. The S&P 500 has historically returned about 10% before inflation, but conservative planners use 6–7%.