Retirement Savings Calculator
See how much you'll have at retirement based on your savings rate and investment returns. Estimate your monthly retirement income.
Inputs
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$
%
Results
Retirement Balance
$3,108,509.98
Monthly Retirement Income
$10,361.7
Total Contributions$470,000
Investment Earnings$2,638,509.98
Annual Withdrawal$124,340.4
Years of Income25 years
Balance (Today's Dollars)$1,104,712.84
Retirement Balance
$3,108,509.98
Monthly Retirement Income
$10,361.7
How to Use This Calculator
- Start by filling in the input fields below. Results update instantly as you type, so you can experiment with different values to see how they affect the outcome.
- Current Age — Your current age in years. Accepts values from 18 to 80 (default: 30).
- Retirement Age — The age at which you plan to retire. Accepts values from 30 to 90 (default: 65).
- Current Savings — Amount currently saved. Accepts values from $0 to $50,000,000 (default: $50,000).
- Monthly Contribution — Amount contributed each month. Accepts values from $0 to $100,000 (default: $1,000).
- Expected Return — Average stock market return is ~10% before inflation. Accepts values from 0 % to 20 % (default: 8 %).
- Expand "Advanced Options" for additional fine-tuning. These optional inputs let you model more specific scenarios:
- Inflation Rate — Expected annual inflation rate. Accepts values from 0 % to 10 % (default: 3 %).
- Withdrawal Rate — The 4% rule is a common guideline. Accepts values from 1 % to 10 % (default: 4 %).
- Once all inputs are set, review your results in the Results panel. Here's what each output means:
- Retirement Balance — shown as a dollar amount. This is the primary result of this calculator.
- Monthly Retirement Income — shown as a dollar amount. This is the primary result of this calculator.
- Total Contributions — shown as a dollar amount.
- Investment Earnings — shown as a dollar amount.
- Annual Withdrawal — shown as a dollar amount.
- Years of Income — shown as a numeric value.
- Balance (Today's Dollars) — shown as a dollar amount.
- Scroll down to explore 2 charts (Retirement Savings Growth, Contributions vs Earnings) for a visual breakdown of the data.
- Explore the related calculators below if you need deeper analysis or want to approach this topic from a different angle.
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