Retirement Calculator
Plan for a comfortable retirement by calculating how much you need to save. Accounts for inflation and shows if you're on track.
Retirement Details
You need to save more
Savings Growth
Year-by-Year Savings
| Year | Age | Balance | Contributed |
|---|---|---|---|
| 0 | 30 | $50,000 | $50,000 |
| 1 | 31 | $65,500 | $62,000 |
| 2 | 32 | $82,085 | $74,000 |
| 3 | 33 | $99,831 | $86,000 |
| 4 | 34 | $118,819 | $98,000 |
| 5 | 35 | $139,136 | $110,000 |
| 6 | 36 | $160,876 | $122,000 |
| 7 | 37 | $184,137 | $134,000 |
| 8 | 38 | $209,027 | $146,000 |
| 9 | 39 | $235,659 | $158,000 |
| 10 | 40 | $264,155 | $170,000 |
| 11 | 41 | $294,646 | $182,000 |
| 12 | 42 | $327,271 | $194,000 |
| 13 | 43 | $362,180 | $206,000 |
| 14 | 44 | $399,533 | $218,000 |
| 15 | 45 | $439,500 | $230,000 |
| 16 | 46 | $482,265 | $242,000 |
| 17 | 47 | $528,023 | $254,000 |
| 18 | 48 | $576,985 | $266,000 |
| 19 | 49 | $629,374 | $278,000 |
| 20 | 50 | $685,430 | $290,000 |
| 21 | 51 | $745,410 | $302,000 |
| 22 | 52 | $809,589 | $314,000 |
| 23 | 53 | $878,260 | $326,000 |
| 24 | 54 | $951,738 | $338,000 |
| 25 | 55 | $1,030,360 | $350,000 |
| 26 | 56 | $1,114,485 | $362,000 |
| 27 | 57 | $1,204,499 | $374,000 |
| 28 | 58 | $1,300,814 | $386,000 |
| 29 | 59 | $1,403,871 | $398,000 |
| 30 | 60 | $1,514,142 | $410,000 |
| 31 | 61 | $1,632,132 | $422,000 |
| 32 | 62 | $1,758,381 | $434,000 |
| 33 | 63 | $1,893,468 | $446,000 |
| 34 | 64 | $2,038,011 | $458,000 |
| 35 | 65 | $2,192,672 | $470,000 |
Retirement Calculator FAQ
How does this calculator decide how much I need to retire?
It uses the 4% rule: your target retirement savings is 25 times your expected annual retirement income (since withdrawing 4% of a portfolio per year is the widely used rule of thumb for a portfolio that lasts 30+ years). If your projected annual income need is $60,000, the calculator targets a $1,500,000 portfolio.
Is the 4% rule still accurate?
The 4% rule is a starting point, not a guarantee — it was based on historical U.S. market returns over rolling 30-year periods and holds up in most, but not all, of them. Many FIRE planners now use a range of 3.25%-4% for longer retirement horizons (40+ years) to be more conservative. Adjust the withdrawal assumption you're comfortable with and treat the result as a planning estimate, not a precise target.
Am I on track to retire early?
This calculator projects your savings growth to your target retirement age based on your current balance, contributions, and expected return, then compares that projection to the 25x-expenses target. If your projected balance at your target age exceeds the target, you are on track; if it falls short, the gap shows how much more you need to save or how much later you would need to retire at your current savings rate.
What return rate should I use?
A common assumption for a diversified stock-heavy portfolio is 7-8% average annual nominal return (roughly 5-6% after inflation), based on long-run historical U.S. stock market averages. More conservative planners use 6-7% nominal to account for sequence-of-returns risk. Run the calculator at more than one rate to see how sensitive your timeline is to the assumption.