Retirement Calculator
Project retirement savings growth and estimate if you’re on track based on your contribution and return assumptions. A retirement calculator projects how your savings might grow over time based on contributions and an assumed return rate. Use it to run “what if” scenarios and to understand how sensitive outcomes are to savings rate, time horizon, and market returns.
Inputs
$
$
%
%
Used to compare against a simple 4% withdrawal rule estimate.
$
Include other income
Optional Social Security and pension estimates (entered in today’s dollars).
Retirement projection
Projected balance at retirement
$1,394,374.18
In today’s dollars (inflation-adjusted): $587,548.94
4% withdrawal (nominal)$55,774.97/yr
4% withdrawal (today’s $)$23,501.96/yr
On-track check
Compared to your desired spending, this is not on track (nominal) and not on track (today’s $).
Year-by-year projection
| Age | Projected balance |
|---|---|
| 31 | $59,725.15 |
| 32 | $70,131.06 |
| 33 | $81,265.38 |
| 34 | $93,179.11 |
| 35 | $105,926.79 |
| 36 | $119,566.82 |
| 37 | $134,161.64 |
| 38 | $149,778.10 |
| 39 | $166,487.72 |
| 40 | $184,367.01 |
| 41 | $203,497.85 |
| 42 | $223,967.85 |
| 43 | $245,870.74 |
| 44 | $269,306.84 |
| 45 | $294,383.47 |
| 46 | $321,215.46 |
| 47 | $349,925.70 |
| 48 | $380,645.64 |
| 49 | $413,515.99 |
| 50 | $448,687.25 |
| 51 | $486,320.51 |
| 52 | $526,588.09 |
| 53 | $569,674.41 |
| 54 | $615,776.77 |
| 55 | $665,106.29 |
| 56 | $717,888.88 |
| 57 | $774,366.25 |
| 58 | $834,797.03 |
| 59 | $899,457.97 |
| 60 | $968,645.18 |
| 61 | $1,042,675.49 |
| 62 | $1,121,887.93 |
| 63 | $1,206,645.23 |
| 64 | $1,297,335.54 |
| 65 | $1,394,374.18 |
How to use it
- Enter your current age, retirement age, and current savings.
- Add your contribution amount and expected return assumptions.
- Optionally include inflation to view values in today’s dollars.
- Review projected balance and simple “on track” indicators.
FAQ
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Disclaimer
Educational estimates only. Not financial advice. Consult a professional for retirement planning decisions.