Retirement Calculator
Tell the calculator your age, when you want to retire, and what you are saving. It projects your balance year by year and translates the final number into monthly retirement income using the classic 4 percent withdrawal rule.
About $1,180,825 at age 67. At a 4% withdrawal rate that supports roughly $3,936/month in retirement income.
Worked examples
Real results from this calculator, computed for a few common scenarios. Move the sliders above to run your own numbers.
| Current age = 28 | About $1,978,738 at age 67. At a 4% withdrawal rate that supports roughly $6,596/month in retirement income. |
| Current age = 44 | About $590,070 at age 67. At a 4% withdrawal rate that supports roughly $1,967/month in retirement income. |
| Current age = 60 | About $135,499 at age 67. At a 4% withdrawal rate that supports roughly $452/month in retirement income. |
Popular scenarios, precomputed
One-click answers to the versions of this question people ask most.
Start Saving for Retirement at 25: Where You Land by 67
Start Saving for Retirement at 30: Where You Land by 67
Start Saving for Retirement at 35: Where You Land by 67
Start Saving for Retirement at 40: Where You Land by 67
Start Saving for Retirement at 45: Where You Land by 67
Start Saving for Retirement at 50: Where You Land by 67
Can You Retire at 55? The Math From Age 35
Can You Retire at 60? The Math From Age 35
Can You Retire at 62? The Math From Age 35
Your next step
Retirement Planning
Build, project, and draw down your nest egg with confidence, at any age or savings rate.
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How this math works
The projection compounds your balance monthly at your chosen return and adds your contribution each month until your retirement age. The summary then applies the 4 percent rule, which suggests withdrawing 4 percent of your nest egg in year one as a sustainable starting point.
Small changes early have outsized effects. Working two extra years or adding 100 dollars a month in your thirties can move the final number more than far larger sacrifices made in your fifties, because every dollar gets more time to compound.
Common questions
Is the 4 percent rule reliable?
It is a planning guideline drawn from historical United States market data, not a guarantee. Many planners now suggest a range of 3.5 to 4.5 percent depending on your age, your mix of investments, and your flexibility.
Should I include Social Security?
This tool projects only your savings. Add your estimated Social Security benefit, which you can check at ssa.gov, on top of the monthly income shown here.
What return should I assume?
A diversified portfolio has historically returned around 7 percent annually over long periods, before inflation. If you plan to shift toward bonds as you age, try 5 or 6 percent for a gentler assumption.
Put this calculator on your website
Bloggers, teachers, credit unions, HR teams: embed the live Retirement Calculator free. Copy the snippet below — the tool keeps working and stays up to date automatically, no maintenance on your side.
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