Calculator

Retirement Calculator

Estimate a retirement balance and a planning-level annual withdrawal.

UNDERSTAND THE ANSWER

How is this calculated?

The projection assumes a constant return and regular monthly contributions. It does not model inflation, taxes, fees, market volatility or government benefits.

Retirement accumulation estimateBalance = Current savings growth + Future value of contributions

A practical example

A 35-year-old with $80,000 saved and $800 monthly contributions could build a substantial balance by age 65 at a 6% assumed return.

COMMON QUESTIONS

Quick answers

Is a 4% withdrawal rate guaranteed?

No. It is only a common planning reference. A sustainable rate depends on longevity, allocation, market returns, taxes and spending flexibility.

Does this include inflation?

No. Treat the result as future dollars unless you reduce the assumed return by an inflation estimate.

How accurate is this estimate?

The math follows the displayed formula, but the result is only as accurate as the rate, fees, timing and other assumptions you enter.

How much do I need to retire?

That depends on spending, retirement length, taxes, benefits and investment risk. Use the result as one scenario in a broader plan.

What return should I assume?

Use a conservative long-term estimate consistent with your asset mix, then test lower returns and higher inflation.

Are contributions made monthly?

Yes. The calculator models equal contributions at the end of each month.

How should inflation be modeled?

You can reduce the assumed return by an inflation estimate to approximate a real return, while recognizing that both values vary.

Calculation assumptions

Contributions and returns occur monthly until retirement.
The annual return and withdrawal rate remain constant.
Inflation, taxes, fees, benefits and market sequence risk are excluded.