Retirement Savings Calculator
Project how much you'll have saved by retirement and roughly how much yearly income that could support.
Balance at age 65$1,054,515
- Your total contributions
- $320,000
- Investment growth
- $734,515
- 4% rule: yearly income
- $42,181A common rule of thumb for a sustainable first-year withdrawal.
Balance at 65 by monthly contribution
Age 35 today, $50,000 saved, 6% average yearly return:
| Monthly contribution | Balance at 65 | 4% rule income/yr |
|---|---|---|
| $250 | $552,258 | $22,090 |
| $500 | $803,386 | $32,135 |
| $750 | $1,054,515 | $42,181 |
| $1,000 | $1,305,644 | $52,226 |
| $1,500 | $1,807,901 | $72,316 |
| $2,000 | $2,310,159 | $92,406 |
How it works
Your current savings and monthly contributions grow at the expected return, compounded monthly, until retirement age.
The 4% rule is a widely used planning shortcut: withdraw about 4% of your balance in year one, then adjust for inflation.
This ignores taxes, fees and inflation, so treat the result as a nominal (today-unadjusted) figure.
Tips
- Always take your full employer match. It's an instant return on your money.
- Raise your contribution by 1% each year or with every raise, and you'll barely notice it.
Frequently asked questions
What return should I assume?
That's your call — it depends on your investment mix. Many people run a few scenarios (say 4%, 6% and 8%) to see a range.
Results are estimates for planning only and are not financial advice.