Retirement Savings Calculator
Plan your retirement by calculating how much you need to save. See projected savings, inflation-adjusted values, and estimated monthly retirement income.
Your Age
Savings
401(k), IRA, and other retirement accounts
How much you save each month
Growth Assumptions
7% is a common long-term stock market average
3% is a common assumption
Enter values and click Calculate to see results
How the Retirement Savings Calculator Works
This calculator projects your retirement nest egg by applying annual investment growth to your current savings plus regular contributions. It then adjusts for inflation to show what your savings will be worth in today's purchasing power, and uses the 4% rule to estimate sustainable monthly retirement income.
FV = PV × (1+r)^t + C × [(1+r)^t - 1] / rFV= Future value at retirementPV= Current savings balancer= Annual return rate (decimal)t= Years until retirementC= Annual contribution amountExample Scenarios
Start at 25
Starting at 25 with just $500/month and 7% returns builds over $1.3 million by age 65.
Start at 40
Starting later means saving more each month. $1,000/mo from age 40 still gets you past $1M.
Catch-Up at 50
With $200K saved and aggressive $2K/month contributions, you can still reach $1M+ by 67.
The 4% Rule
The 4% rule suggests you can withdraw 4% of your retirement savings annually with a high probability your money will last 30 years. This calculator uses this rule to estimate your monthly retirement income.
Inflation Matters
Inflation erodes purchasing power over time. That's why we show both the nominal value of your savings and the inflation-adjusted value in today's dollars.