Retirement
Retirement Calculator
Project your retirement savings and estimate monthly income using the 4% rule.
Parameters
$
$
%
%
Results
Projected balance at retirement
$2.10M
Over 35 years
Real value (inflation-adj.)
$746.0k
Est. monthly income (4%)
$6,997.38
Savings growth
Retirement planning basics
The 4% rule
A widely used guideline suggesting you can withdraw 4% of your portfolio annually in retirement. Divide your target annual income by 0.04 to find your savings goal.
Start early
Time is the most powerful variable. Starting at 25 vs 35 can double your retirement balance due to compound growth.
Diversify accounts
Use a mix of tax-deferred (401k, IRA) and tax-free (Roth) accounts to give yourself flexibility in retirement.
Adjust for inflation
In 30 years, $1M buys significantly less than today. Use the inflation-adjusted view to understand real purchasing power.
Estimates only. The 4% rule is a guideline, not a guarantee. Actual returns vary. Not financial advice.