Retirement Calculator
Calculate how much you need to retire. See projected savings growth, withdrawal income, and the impact of inflation on your retirement funds.
Projected Savings at 65
$1,475,835
$639,908 in today's dollars
Monthly Income
$4,919
$2,133 real
Annual Income
$59,033
Total Contributed
$260,000
Investment Growth
$1,215,835
Savings Composition
ContributionsGrowth
At 4% withdrawal, savings would last ~25 years without growth
Year-by-Year Projection (35 years)
| Age | Balance | Contributions | Growth |
|---|---|---|---|
| 31 | $59,811 | $56,000 | $3,811 |
| 32 | $70,331 | $62,000 | $8,331 |
| 33 | $81,611 | $68,000 | $13,611 |
| 34 | $93,707 | $74,000 | $19,707 |
| 35 | $106,678 | $80,000 | $26,678 |
| 36 | $120,586 | $86,000 | $34,586 |
| 37 | $135,499 | $92,000 | $43,499 |
| 38 | $151,491 | $98,000 | $53,491 |
| 39 | $168,638 | $104,000 | $64,638 |
| 40 | $187,025 | $110,000 | $77,025 |
| 41 | $206,742 | $116,000 | $90,742 |
| 42 | $227,884 | $122,000 | $105,884 |
| 43 | $250,554 | $128,000 | $122,554 |
| 44 | $274,862 | $134,000 | $140,862 |
| 45 | $300,928 | $140,000 | $160,928 |
| 46 | $328,879 | $146,000 | $182,879 |
| 47 | $358,850 | $152,000 | $206,850 |
| 48 | $390,987 | $158,000 | $232,987 |
| 49 | $425,448 | $164,000 | $261,448 |
| 50 | $462,400 | $170,000 | $292,400 |
| 51 | $502,024 | $176,000 | $326,024 |
| 52 | $544,511 | $182,000 | $362,511 |
| 53 | $590,070 | $188,000 | $402,070 |
| 54 | $638,923 | $194,000 | $444,923 |
| 55 | $691,307 | $200,000 | $491,307 |
| 56 | $747,478 | $206,000 | $541,478 |
| 57 | $807,709 | $212,000 | $595,709 |
| 58 | $872,295 | $218,000 | $654,295 |
| 59 | $941,549 | $224,000 | $717,549 |
| 60 | $1,015,810 | $230,000 | $785,810 |
| 61 | $1,095,440 | $236,000 | $859,440 |
| 62 | $1,180,825 | $242,000 | $938,825 |
| 63 | $1,272,384 | $248,000 | $1,024,384 |
| 64 | $1,370,561 | $254,000 | $1,116,561 |
| 65 | $1,475,835 | $260,000 | $1,215,835 |
Frequently Asked Questions
What is the 4% rule?+
The 4% rule suggests you can withdraw 4% of your retirement savings annually without running out over a 30-year retirement. For example, $1,000,000 in savings would provide $40,000/year. It's a starting point, not a guarantee.
What rate of return should I use?+
The S&P 500 has averaged about 10% annually before inflation, or ~7% after inflation. Use 7% for a realistic estimate, 10% for optimistic, or 5% for conservative projections.
How does inflation affect retirement?+
Inflation erodes purchasing power over time. $1,000,000 in 35 years will buy roughly what $350,000 buys today at 3% inflation. Always consider the 'real' (inflation-adjusted) value of your savings.
How much do I need to retire?+
A common rule of thumb is 25× your annual expenses (inverse of the 4% rule). If you spend $60,000/year, aim for $1,500,000. But this varies based on retirement age, lifestyle, and other income sources like Social Security.