Your estimate
$1,230,342.52 projected at retirement
Retirement projection compares compound growth against an income target using a withdrawal-rate estimate.
Help
Project retirement savings against an income target and withdrawal-rate estimate.
About this calculator
How it works
It grows your current savings and monthly contribution until your retirement age, then compares the result with the nest egg your target income needs at your withdrawal rate. The gap shows whether you are on track.
A worked example
At 35 with $40,000 saved and $600 a month at 7%, you reach about $1,230,342.52 by age 67. A $60,000 yearly income at a 4% withdrawal rate needs $1,500,000, so you are $269,657.48 short, a gap a higher contribution or a later retirement can close.
What is the 4% rule?
It is a guideline that withdrawing about 4% of your savings in the first year, then adjusting for inflation, has historically lasted around 30 years. It is a starting point, not a promise.
What return should I assume?
Many people use 5% to 7% for a stock-heavy portfolio over long periods. A lower number gives you a safer plan.
Does this include Social Security?
No. Subtract the Social Security or pension income you expect from your target income to see how much your savings need to cover.
Interpret the result
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