Retirement Calculator
Plan your retirement with comprehensive savings projections, gap analysis, and income planning.
Plan conservatively - better to have too much
Total across all retirement accounts
How much you save each month
Monthly income needed in retirement (today's dollars)
Conservative: 4-5%, Moderate: 6-7%, Growth: 8%+
Historical average is ~2-3%
Social Security
Expected monthly benefit
Pension
Expected monthly benefit
$1,400,902.87
$3,146,351.37
$1,745,448.49
Behind Schedule
Need $1,577.91/month more to reach your goal
Now
35
25%
42
Halfway
50
Retirement
65
Planning End
90
| Age | Contributions | Returns | Balance |
|---|---|---|---|
| 36 | $12,000.00 | $3,640.00 | $65,640.00 |
| 37 | $12,000.00 | $4,656.60 | $82,296.60 |
| 38 | $12,000.00 | $5,739.28 | $100,035.88 |
| 39 | $12,000.00 | $6,892.33 | $118,928.21 |
| 40 | $12,000.00 | $8,120.33 | $139,048.54 |
| 41 | $12,000.00 | $9,428.16 | $160,476.70 |
| 42 | $12,000.00 | $10,820.99 | $183,297.69 |
| 43 | $12,000.00 | $12,304.35 | $207,602.04 |
| 44 | $12,000.00 | $13,884.13 | $233,486.17 |
| 45 | $12,000.00 | $15,566.60 | $261,052.77 |
Retirement Planning Essentials
The 4% Rule
The 4% rule suggests you can withdraw 4% of your retirement savings annually with a high probability of not running out of money over a 30-year retirement.
Example: $60,000/year requires $1,500,000 in savings
Key Factors
- Time: More years = more compound growth
- Return Rate: Higher returns accelerate growth but add risk
- Inflation: Erodes purchasing power over time
- Savings Rate: Often matters more than investment returns
Planning Tips
- Plan for a longer life expectancy than you expect
- Use conservative return estimates (6-7% nominal)
- Include healthcare costs in retirement budget
- Diversify income sources to reduce sequence risk