Years investing
--
🏖️
Retirement Calculator
When can you retire? How much do you need? This calculator projects your retirement savings, monthly income, and tells you if you're ahead or behind schedule.
$0
Projected retirement balance
Total contributed
--
Interest earned
--
Monthly in retirement
--
Status
--
Retirement math simplified
We use the standard compound future-value formula for monthly contributions, then apply the 4% rule to estimate safe annual withdrawal during retirement. The 4% rule says you can withdraw 4% of your nest egg each year and adjust for inflation, with a 95% chance the money lasts 30+ years. Social Security (if you're in the US) would supplement this — we don't include it here.
Last updated
This is a simplified estimate. Actual results depend on market returns, inflation, taxes, fees, Social Security, and personal expenses. Consult a financial advisor.