Retirement Calculator
Project your retirement portfolio, calculate monthly income using the 4% rule, and see exactly when you'll hit key milestones.
Parameters
Plan your retirement
Retirement income coverage at age 65
Portfolio at Retirement
$ 0Monthly Income (4% rule)
$ 099% covered — gap $39/month
Years to Retire
0 yrsAnnual Income
$ 0Interest Earned
$ 0Portfolio Lasts
0 yrsPortfolio Milestones
$250K
Age 45
$500K
Age 53
$1.00M
Age 62
Retirement Growth Chart
Portfolio growth from age 30 to 65
Results are for informational purposes only and do not constitute financial advice. Actual returns may vary due to market conditions, taxes, and fees. Read our full disclaimer.
How to Use This Retirement Calculator
Enter your current age, target retirement age, existing savings, monthly contribution, expected annual return, and planned monthly expenses in retirement. The calculator projects your portfolio value at retirement and shows whether your savings will generate enough monthly income to cover your expenses using the 4% rule.
The 4% Rule Explained
The 4% rule is a widely-used retirement guideline stating that you can safely withdraw 4% of your portfolio annually without running out of money over a 30-year retirement. It was derived from the Trinity Study, which analyzed historical market returns. To find your retirement number, multiply your desired annual income by 25. If you need $60,000 per year, you need $1,500,000 saved.
What Return Rate Should You Use?
Historical S&P 500 returns average approximately 10% annually before inflation, or 7% in real terms. For a balanced portfolio of stocks and bonds, 6-7% is a reasonable assumption. Conservative investors may use 5-6%. The calculator uses your nominal return — if you want to account for inflation, subtract the expected inflation rate (typically 2-3%) from your return rate.