PROJECTED SAVINGS AT RETIREMENT
$0
Years until retirement0
Total contributed$0
Total growth$0
Monthly income (4% rule)$0
How This Retirement Calculator Works
This calculator projects your savings at retirement based on current savings, contributions, years remaining, and an assumed return, plus a monthly income estimate using the "4% rule."
What Is the 4% Rule?
A common guideline suggesting you can withdraw 4% of savings in year one, then adjust for inflation, with low risk of running out over 30 years.
Why Early Contributions Matter
Starting at 25 typically needs far less monthly savings than starting at 40 to reach the same goal, due to extra compounding years.
Frequently Asked Questions
What return rate should I use?
Many long-term investors use 6-8% for diversified stock portfolios based on historical averages.
Does this account for inflation?
No, values are shown in today's dollars without adjusting for future inflation.
Should I include employer 401(k) match?
Yes, add the matched amount to your monthly contribution for a more accurate projection.