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Retirement Savings Calculator

Project how your retirement savings could grow by the time you retire, and get a rough estimate of the annual income it might support.

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$
Projected at retirement: $0
Years until retirement
0
Total you contribute
$0
Investment growth
$0
Rough annual income (4% rule)
$0

A simplified projection. It ignores inflation, taxes, fees, and Social Security. The 4% figure is a rule of thumb, not a guarantee.

How to use this projection

The calculator grows your current savings plus your monthly contributions at your assumed return until your retirement age, using monthly compounding. The "annual income" figure applies the 4% rule of thumb to the projected balance — a quick sense-check, not a withdrawal plan.

Ways to improve your number

  • Start earlier. Time is the most powerful variable in compounding.
  • Increase contributions gradually — for example, bump your savings rate each time you get a raise.
  • Capture any employer match on a 401(k); it's effectively free money.
  • Mind fees. High investment fees quietly erode decades of growth.

See the underlying math with the Compound Interest Calculator, and browse our Investing guides. Investing involves risk, including possible loss of principal; this is educational information, not investment advice.

Frequently asked questions

How much do I need to retire?
There's no universal number — it depends on your spending, lifestyle, other income (like Social Security or a pension), and how long your retirement lasts. One common rule of thumb is the 4% guideline: a portfolio might support roughly 4% of its value in annual withdrawals. It's a starting point for thinking, not a guarantee.
What return should I assume?
Use a conservative long-term average for a diversified portfolio, and remember returns are volatile and not guaranteed. Many people also reduce their assumed return as they approach retirement and shift toward lower-risk holdings.
Does this include inflation, taxes, and Social Security?
No. This is a simplified nominal projection. Inflation erodes future purchasing power, taxes apply to many retirement withdrawals, and Social Security or pensions would add income. Consider a licensed financial professional for a personalized plan.

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