Investing
Retirement Calculator
Project future retirement savings based on your current balance, ongoing contributions, and an assumed long-term return.
Test whether your current saving pace is likely to support the retirement timeline and lifestyle you are aiming for.
Investing
Try the calculator
Scenario presets
Quick compare
Example
Retirement readiness improves dramatically when you increase both time in the market and contribution rate.
Results
Projected retirement balance
$1,158,471
Estimated first-year income
$46,339
Monthly investing
$900
Projection
Trend view
Start now vs wait
Gap created by waiting: $260,231
Growth engine
70.2% of the projected ending balance comes from returns rather than direct deposits.
Planning cue
At the current pace, $900 per month compounds over 25 years into a materially larger outcome.
The income estimate uses a simple 4% withdrawal rule heuristic.
How it works
What the result is showing you
These sections explain what the calculator measures, which assumptions matter most, and where the number can be misleading.
Retirement projections are scenarios
A retirement projection is not a promise about the market or your future account balance. It is a planning scenario that helps you test whether your current habits are in the right range.
Contribution rate matters
If you want a meaningfully larger retirement balance, raising your recurring contribution is usually more realistic than assuming an unusually high investment return.
Plan for income, not just assets
A large balance only matters if it can support your future spending. Think beyond the headline number and consider what kind of yearly income that balance may realistically produce.
Common questions
- retirement calculator how much do i need
- retirement savings projection
- 401k growth calculator
Frequently asked questions
Is a 7% return assumption realistic?
It is a common long-term planning assumption for diversified stock-heavy portfolios, but actual returns will move around and may differ a lot from any single estimate.
How much retirement income does this estimate?
This tool includes a simple 4% rule style estimate for first-year withdrawals. It is a rough planning shortcut, not a withdrawal guarantee.
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