Retirement Savings Calculator
Picture future-you, floating on a raft of savings.
Your cozy results
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- Projected total
- Monthly income (4%)
- Total contributed
- Interest earned
A note on returns
The annual return you enter is a long-term planning assumption for diversified stock investments (like index funds) — a projection, not a guaranteed rate. For context: cash savings currently earn around 4%, while the stock market has averaged about 10% a year before inflation (roughly 7% after) over the past century. Actual returns vary year to year, and past performance never guarantees future results.
Retirement savings FAQ
What is the 4% rule?
The 4% rule says you can withdraw 4% of your savings each year in retirement with low risk of running out over 30 years.
How much do I need to retire?
A common target is 25x your annual expenses. This calculator shows your projected total and monthly withdrawal at retirement.
What return should I assume?
7% is a common long-term planning assumption for a diversified portfolio — not a guaranteed rate and not a bank deposit rate (cash savings currently earn around 4%). Historically stocks have averaged about 10% a year before inflation. Returns vary and past performance is no guarantee.
Does this include Social Security?
No. This calculator only projects your personal savings; Social Security is separate.