Retirement calculator
This calculator projects your retirement savings from your current balance, monthly savings and an expected return, then estimates the yearly income it could support using a withdrawal rate (the “4% rule” is a common starting point). Results are shown in future dollars and in today's dollars.
How the retirement estimate works
Savings grow monthly at the expected return until retirement, with monthly savings raised each year. Yearly retirement income = savings at retirement × withdrawal rate. The 4% rule comes from research on historical US stock and bond returns suggesting a 4% first-year withdrawal, raised with inflation, lasted 30 years in most past periods. It is a guideline, not a guarantee. Social Security and pensions are not included; add them separately.
Common questions
How much do I need to retire?
A common rule of thumb is 25 times the yearly spending your savings must cover (the inverse of a 4% withdrawal rate). $40,000 a year needs about $1,000,000.
What is the 4% rule?
Withdraw 4% of your savings in the first year of retirement, then adjust that amount for inflation each year. Historically it lasted 30 years in most US market periods, but it is not guaranteed.
Does this include Social Security?
No. Check your estimated benefit at ssa.gov and add it to the income shown here.
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Last reviewed October 31, 2026. This calculator gives estimates for education and planning only. Results depend entirely on the numbers you enter and the assumptions stated on this page; they are not investment, tax or trading advice, and real results will differ.