The 4% rule suggests you can safely withdraw 4% of your retirement savings annually without running out of money over a 30-year retirement.

When should I start saving for retirement?

Start as early as possible. Thanks to compound interest, starting at 25 instead of 35 could double your retirement savings with the same monthly contribution.

Retirement Calculator

Project what your retirement savings will be worth, in both future dollars and today's purchasing power, and how much monthly income it could safely provide.

Retirement Plan

Current Age

Retirement Age

Current Savings

Monthly ContributionNeed help finding money to invest? Check our Budget Planner

Annual Return (%)

Expected Inflation (%)

At Age 65

Projected Total (Nominal)

$1,554,255

Amount in future dollars

Purchasing Power (Today's Value)

$544,606

Adjusted for inflation (3%)

How you get there

35 years to grow

What you put in

$235,000

Investment growth

$1,319,255

Monthly income it could provide

$1,815/mo

At a 4% safe withdrawal rate and in today's money, this is roughly what this nest egg supports for life.

Want to retire early? Try the FIRE calculator →See the year-by-year growth →

Estimates for education only, assuming a constant return and inflation. Not a guarantee of future results.

Quick guide

How to use the Retirement Calculator

Plan your retirement savings and see if you're on track. Calculate how much you need to save monthly to reach your retirement goal using the 4% rule.

Enter your current age and retirement age
Input your current retirement savings
Set your expected annual return rate
Enter your desired retirement income
See if you'll reach your goal and adjust as needed

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Methodology

How this calculator works

Built by Andrés Soler · Updated July 27, 2026

Formula

Future value = S × (1 + i)^n + C × ((1 + i)^n − 1) ÷ i, with S = current savings, C = monthly contribution, i = annual return ÷ 12, n = months until retirement
In today’s money = future value ÷ (1 + inflation ÷ 12)^n
Sustainable income = 4% of the inflation-adjusted balance per year, shown per month

Assumptions & limits

Return and inflation are constant; real markets go up and down.
Contributions stay the same (no yearly raises).
Taxes, fees, Social Security and pensions are not included.

Sources

William P. Bengen (1994), "Determining Withdrawal Rates Using Historical Data", Journal of Financial Planning (origin of the 4% rule)
Cooley, Hubbard & Walz (1998), "Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable" (the Trinity study)

Educational estimates, not financial advice. Check important decisions with your lender or a licensed advisor.

All calculator methodologies →