Retirement Savings Calculator

Estimate how much you could accumulate by retirement, see the impact of inflation on your purchasing power, and find out whether your savings plan meets your income goals. Adjust the inputs below and click Calculate to see your personalized projection.

Your age today (18–99)
Age you plan to retire (must be after current age)
Total retirement savings today
Amount you add each month
Expected average annual return
Expected average annual inflation
How much annual income you want in retirement (in today's dollars)

How This Calculator Works

This calculator projects your retirement savings using compound growth. Each month, your balance earns returns based on the annual rate you specify, and your monthly contribution is added. The calculation runs month-by-month from your current age until your retirement age.

The 4% Rule

The 4% rule is a widely used guideline suggesting retirees can withdraw 4% of their portfolio in the first year of retirement, then adjust for inflation each subsequent year, with a high probability of their savings lasting 30 years. We use this rule to estimate your potential monthly retirement income from your inflation-adjusted savings.

Assumptions & Limitations

  • Returns are compounded monthly at a constant rate — actual market returns vary year to year.
  • Contributions remain fixed — in reality, you may increase them over time.
  • Inflation is assumed constant — actual inflation fluctuates.
  • Taxes, fees, and Social Security income are not included.
  • The 4% rule is a guideline, not a guarantee — consult a financial advisor for personalized planning.
Disclaimer: This calculator is for educational and illustrative purposes only and does not constitute financial advice. Results are hypothetical projections based on the inputs you provide. Actual investment returns, inflation, and your personal circumstances will differ. Consult a qualified financial advisor before making retirement planning decisions.

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