Need context? Read our retirement planning guide for assumptions and strategy.
Read the guideRetirement planning guide
This calculator projects a savings balance based on your inputs and compares it to a target from the 4% rule. Treat the output as a planning range, not a guarantee.
Time horizon
Years until retirement amplify the impact of contributions and investment returns.
Contribution rate
Small increases can create large differences over long periods due to compounding.
Return assumptions
Use a conservative long-term estimate and remember that yearly returns can vary.
What this calculator includes
- Growth of your current savings at the expected return you enter.
- Monthly contributions compounded over time.
- A retirement savings target based on the 4% rule.
What it does not include
- Taxes, inflation, investment fees, or sequence-of-returns risk.
- Social Security, pensions, or other income sources.
- Changes in spending over time or healthcare costs.
Ways to improve your plan
- Increase contributions over time, especially after raises.
- Capture employer matching in workplace retirement plans.
- Keep investment costs low and rebalance periodically.
- Update assumptions annually as your goals evolve.
Retirement calculator FAQ
What does this retirement calculator estimate?
It projects future savings based on your current balance, monthly contributions, and expected return, then compares that projection to a target derived from the 4% rule.
Is the 4% rule guaranteed?
No. It is a planning guideline based on historical studies and does not guarantee future outcomes. Market returns and spending needs can vary.
Does this include Social Security or pensions?
No. This calculator focuses on personal savings. Add Social Security, pensions, or other income sources separately when planning.
How should I choose an expected return?
Use a conservative long-term estimate aligned with your asset mix and fees, and revisit it as your allocation changes.