Retirement Calculator

Calculate how much you need to save for retirement, and see whether your current plan is on pace.

Your details

Current age

Target retirement age

Current retirement savings

Monthly contribution

Expected annual return

Desired monthly income in retirement

Years income needs to last

Default 30 years.

Your estimate

Projected balance at age 65$843,061

Total contributed$330,000

Growth earned$513,061

Needed for 30 years of income$1,800,000

Projected shortfall$956,939

Based on these assumptions, your projected balance falls short of the amount needed. Increasing contributions or extending your timeline may help close the gap.

4% Rule cross-reference: sustaining $5,000 per month at a 4% initial withdrawal rate would suggest a portfolio of about $1,500,000.

This is a simplified projection using a constant assumed rate of return. Actual investment returns vary and are not guaranteed. This tool does not account for inflation, taxes, or market volatility.

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