Retirement Calculator
A 4-in-1 toolkit: project your retirement savings, calculate sustainable withdrawal income, find how long your funds will last, and set a savings goal. Includes inflation adjustment and year-by-year schedules throughout.
4% Rule
Safe Withdrawal Rate
80% Rule
Income Replacement
10-15%
Save % of Income
25×
Target Nest Egg
Retirement Savings Calculator
How much will you have at retirement?
Future Value at Retirement
$1,096,336
After 35 years · Retirement age 65
$235,000
Total Contributed
$861,336
Investment Growth
$461,964
Inflation-Adj. Value
📈 Savings Growth Over Time
📅 Year-by-Year Schedule
| Year/Age | Start Balance | Contributions | Growth | End Balance |
|---|---|---|---|---|
| 31 | $25,000 | $6,000 | $1,750 | $32,750 |
| 32 | $32,750 | $6,000 | $2,293 | $41,043 |
| 33 | $41,043 | $6,000 | $2,873 | $49,915 |
| 34 | $49,915 | $6,000 | $3,494 | $59,410 |
| 35 | $59,410 | $6,000 | $4,159 | $69,568 |
| 36 | $69,568 | $6,000 | $4,870 | $80,438 |
| 37 | $80,438 | $6,000 | $5,631 | $92,069 |
| 38 | $92,069 | $6,000 | $6,445 | $104,513 |
| 39 | $104,513 | $6,000 | $7,316 | $117,829 |
| 40 | $117,829 | $6,000 | $8,248 | $132,077 |
| 41 | $132,077 | $6,000 | $9,245 | $147,323 |
| 42 | $147,323 | $6,000 | $10,313 | $163,635 |
| 43 | $163,635 | $6,000 | $11,454 | $181,090 |
| 44 | $181,090 | $6,000 | $12,676 | $199,766 |
| 45 | $199,766 | $6,000 | $13,984 | $219,750 |
| 46 | $219,750 | $6,000 | $15,382 | $241,132 |
| 47 | $241,132 | $6,000 | $16,879 | $264,012 |
| 48 | $264,012 | $6,000 | $18,481 | $288,493 |
| 49 | $288,493 | $6,000 | $20,194 | $314,687 |
| 50 | $314,687 | $6,000 | $22,028 | $342,715 |
| 51 | $342,715 | $6,000 | $23,990 | $372,705 |
| 52 | $372,705 | $6,000 | $26,089 | $404,794 |
| 53 | $404,794 | $6,000 | $28,336 | $439,130 |
| 54 | $439,130 | $6,000 | $30,739 | $475,869 |
| 55 | $475,869 | $6,000 | $33,311 | $515,180 |
| 56 | $515,180 | $6,000 | $36,063 | $557,243 |
| 57 | $557,243 | $6,000 | $39,007 | $602,250 |
| 58 | $602,250 | $6,000 | $42,157 | $650,407 |
| 59 | $650,407 | $6,000 | $45,528 | $701,936 |
| 60 | $701,936 | $6,000 | $49,135 | $757,071 |
| 61 | $757,071 | $6,000 | $52,995 | $816,066 |
| 62 | $816,066 | $6,000 | $57,125 | $879,191 |
| 63 | $879,191 | $6,000 | $61,543 | $946,734 |
| 64 | $946,734 | $6,000 | $66,271 | $1,019,005 |
| 65 | $1,019,005 | $6,000 | $71,330 | $1,096,336 |
How to Plan for Retirement
Our retirement calculator suite helps you plan every angle of retirement — from how much you’ll save to how long your money will last. The four tools above cover the full retirement planning picture: accumulation, income, longevity, and goal-setting. For complementary planning, also see our compound interest calculator, salary calculator, and income tax calculator.
📐 Key Retirement Rules of Thumb
- 4% Rule: withdraw 4% of nest egg per year — historically sustainable for 30 years
- 80% Rule: need roughly 80% of pre-retirement income to maintain lifestyle
- 25× Rule: save 25× your desired annual income (e.g. $50K/yr → $1.25M)
- Save 10-15% of gross income throughout working years
- Start early — time is the single biggest lever you control
🏦 Retirement Account Types
- 401(k): employer-sponsored, pre-tax, 2026 limit roughly $23,500 (+$7,500 catch-up 50+)
- Traditional IRA: pre-tax contributions, taxed on withdrawal
- Roth IRA: post-tax now, tax-free withdrawals — great for young savers
- 403(b): like a 401(k) for non-profits and schools
- SEP-IRA / Solo 401(k): self-employed options with higher limits
🧩 The 4 Calculators Explained
- Calculator 1 — Savings: how much will you have at retirement?
- Calculator 2 — Income: how much can you withdraw annually from a nest egg?
- Calculator 3 — Withdrawal Years: how long will your savings last at a given rate?
- Calculator 4 — Goal: how much do you need to save monthly to hit your income target?
📉 Inflation’s Impact on Retirement
$1,000,000 today at 2.5% inflation over 25 years is worth roughly $539,000 in real purchasing power.
- Always plan in real (inflation-adjusted) dollars, not nominal
- Healthcare inflation often runs 2-3% faster than general CPI
- A 3% inflation rate roughly doubles prices every 24 years
- TIPS, I-Bonds, and dividend stocks can help hedge against inflation
- Social Security is adjusted for CPI annually via COLA
— FAQ