Retirement Calculator
Project how much you'll have at retirement based on your savings rate, investment returns, and time horizon.
Your Details
Current Age30 yrs
Retirement Age65 yrs
Savings
$
$
Assumptions
Annual Return7%
Inflation Rate2.5%
Withdrawal Rate4%
Projected Balance
$1,475,835
at age 65 (35 years)
Inflation-Adjusted
$621,874
today's dollars
Monthly Income
$4,919
at 4% withdrawal rate
Real Monthly Income
$2,073
inflation-adjusted
Portfolio Composition at Retirement
Total Contributed
$260,000
Investment Growth
$1,215,835
Key Milestones
$250,000Age 43 (2039)
$500,000Age 51 (2047)
$1,000,000Age 60 (2056)
$2,000,000Not reached
Assumptions & Disclaimers
Returns are compounded monthly. Contributions are made at the start of each month. Inflation adjustment uses compound annual rate. This calculator is for educational purposes only — consult a financial advisor before making investment decisions.
The 4% withdrawal rule is a common guideline; actual sustainable withdrawal rates depend on your portfolio composition and market conditions.