Find out how much you could have saved by retirement based on your current age, savings, monthly contributions, and expected investment returns.
| Age | Balance | Total Contributed | Growth |
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A common rule of thumb is the 4% rule: if you withdraw 4% of your portfolio per year, your savings should last roughly 30 years in retirement. So if you have $1,000,000 saved, you could withdraw about $40,000/year ($3,333/month) without depleting your nest egg too quickly.
This retirement calculator projects your savings growth based on your current age, savings, monthly contributions, and an expected annual return — then estimates your monthly retirement income using the 4% rule (or any withdrawal rate you choose).
A widely used guideline for how much you can safely withdraw each year in retirement without running out of money.
Starting just 5–10 years earlier can dramatically increase your final retirement balance due to compound growth.
If your employer matches 401(k) contributions, include that in your monthly contribution — it's essentially free money.
Disclaimer: This calculator is for educational purposes only and does not constitute financial advice. Consult a qualified financial advisor for retirement planning.