Retirement Tools
Retirement Calculator
Plan for retirement with confidence. Enter your age, savings, contributions, and expected returns to see your projected balance, inflation-adjusted value, and estimated monthly retirement income.
Configure
Retirement parameters
Projection
Year-by-year growth
| Year | Age | Balance | Contributions | Growth |
|---|---|---|---|---|
| 1 | 31 | $66,007 | $62,000 | |
| 2 | 32 | $83,171 | $74,000 | |
| 3 | 33 | $101,576 | $86,000 | |
| 4 | 34 | $121,312 | $98,000 | |
| 5 | 35 | $142,474 | $110,000 |
Retirement planning fundamentals
01
Estimate your nest egg
Enter current savings, monthly contributions, and expected return to project your retirement balance.
02
Adjust for inflation
We calculate inflation-adjusted balance so you know the real purchasing power of your future savings.
03
Calculate monthly income
Using the 4% rule (safe withdrawal rate), we estimate achievable monthly retirement income from your balance.
Frequently asked questions
What is the 4% rule? ▼
The 4% rule (Bengen Rule) says you can safely withdraw 4% of your retirement portfolio in the first year, then adjust for inflation each subsequent year. Research shows this approach historically survives 30-year retirements across most market conditions.
How much should I save for retirement? ▼
A common target is 10–15% of gross income. The Fidelity guideline: save 1× your salary by age 30, 3× by 40, 6× by 50, 8× by 60, and 10× by retirement. Start earlier to take maximum advantage of compound growth.
What return rate should I assume? ▼
Historically, a diversified portfolio of 60% stocks/40% bonds has returned 7–8% annually. More aggressive portfolios closer to retirement may return 5–6%. Use a conservative estimate for planning — it's better to be pleasantly surprised.
Disclaimer: Projections assume constant returns and inflation rates. Actual results will vary. This tool is for educational planning purposes only. Consult a licensed financial advisor before making retirement decisions.
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