Retirement Planner

See whether your current savings rate gets you to a comfortable retirement income.

Instant results Private — runs in your browser Updated January 1970

Inputs

$
$
%
$
$
%
Projected nest egg
$1,584,714.11
At 65 (in 30 years)
Monthly income from savings
$5,282.38
With Social Security
$7,282.38
Shortfall
$5,303.03
Need (inflated): $12,585.41
Balance growth

How it works

Monthly compounding · end-of-period contributions. Project savings to retirement age, apply 4% annual draw for income, and compare against your inflation-adjusted need.

Frequently asked questions

Is this guaranteed?

No — these are projections that assume your inputs hold. Real markets and life are variable.

What's the 4% safe-withdrawal rule?

The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.

Should I max out my 401(k)?

At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.

Roth vs. Traditional?

Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.

When should I start saving?

Immediately. The single biggest variable in retirement success is years of compounding.

Related calculators

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Tax-free growth projection for a Roth IRA.
Roth vs. Traditional IRA
Which IRA wins for your tax brackets?
401(k) Roth vs. Traditional
Pre-tax vs. Roth 401(k) compared after tax.

Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.

Last updated January 1970