Retirement Calculator

Plan your retirement with confidence. See how your savings grow, when you can retire, and how long your money will last.

Current Age

years

Retirement Age

years

Current Savings

Monthly Contribution

Expected Annual Return

Monthly Spending in Retirement

Expected Inflation Rate

Portfolio at Retirement

At age 65

Sustainable Monthly Income

To last until age 100

Money Lasts

Past 100

Your savings outlast you

Portfolio Value Over Time

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Download a personalized PDF with your $1,481,088 portfolio projection — your money lasts past 100.

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Year-by-Year Breakdown

Age	Phase	Balance	Contributions	Withdrawals	Growth
31	Saving	$59,847	$6,000	—	$3,847
32	Saving	$70,406	$6,000	—	$4,559
33	Saving	$81,728	$6,000	—	$5,322
34	Saving	$93,868	$6,000	—	$6,141
35	Saving	$106,887	$6,000	—	$7,018

How to Plan for Retirement

Retirement planning is about balancing three key variables: how much you save now, how long your money has to grow, and how much you'll spend in retirement. This calculator helps you understand the relationship between all three.

The 4% Rule

A common rule of thumb is the "4% rule" — you can withdraw 4% of your portfolio in the first year of retirement, then adjust for inflation each year, and your money should last about 30 years. This calculator goes further by modeling your exact scenario with year-by-year projections.

Why Starting Early Matters

A 25-year-old saving $500/month at 7% returns will have about $1.3 million by age 65. A 35-year-old saving the same amount has only about $614,000. That extra decade of compounding more than doubles the result — time is your most powerful retirement tool.

Inflation's Impact

This calculator accounts for inflation, which erodes purchasing power over time. At 3% inflation, $4,000/month in today's dollars will feel like $2,400/month in 17 years. Planning for inflation-adjusted spending is critical to avoid outliving your savings.