🏖️ Retirement Calculator

Project your retirement savings and find out if you're on track — accounting for contributions, employer match, and inflation.

Your Retirement Details

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Projected Retirement Savings
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Years to Retire
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Monthly Drawdown
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Savings Last Until Age
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Shortfall / Surplus
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Total Contributions
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Investment Growth
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How Much Do You Need to Retire?

The most widely cited rule is the 4% Rule (Bengen Rule): withdraw no more than 4% of your portfolio in year one, then adjust for inflation annually. This has historically sustained a 30-year retirement in most market conditions. A $1 million portfolio supports ~$40,000/year; $2 million supports ~$80,000/year.

The 25× Rule

To find your retirement number: multiply your desired annual spending by 25. To spend $60,000/year, you need ~$1.5 million.

Retirement Number = Annual Expenses × 25
Safe Annual Withdrawal = Portfolio × 4%

Social Security Consideration

Social Security replaces roughly 40% of pre-retirement income for average earners. Include expected Social Security benefits in your income calculation — the SSA's website lets you see your projected benefit at different claiming ages (62, 67, or 70).

Should I prioritize 401(k) or Roth IRA? +
If your employer offers a 401(k) match, always contribute at least enough to get the full match — it's free money with an immediate 50–100% return. After that, a Roth IRA is often better for younger workers (tax-free withdrawals in retirement) while traditional 401(k) is better for high earners wanting to reduce current taxable income. Ideally, max both.
What return rate should I assume? +
The S&P 500 has averaged about 10% annually before inflation (7% real return) over long periods. For conservative planning, use 6–7% nominal. As you approach retirement, a more conservative allocation (bonds, cash) means a lower expected return. This calculator uses your input rate as nominal (before inflation).