Retirement Savings Calculator

The calculator projects your retirement savings balance at your target retirement age based on contributions and growth rate. It does not apply a fixed withdrawal rate automatically — you can estimate sustainable annual withdrawals using the commonly referenced 4% rule as a starting point.

You can enter an expected annual return rate that is net of inflation (real return), or enter a nominal rate and separately account for inflation when interpreting results. Inflation is not deducted automatically, so consider using a 5%–6% real return assumption rather than nominal 8%–10% for a more conservative estimate.

This calculator focuses on personal savings growth. Social Security and pension income are not included as inputs. To estimate your total retirement income, add your projected Social Security benefit (found at ssa.gov) to the savings withdrawal amount separately.

The calculator is mathematically accurate for the inputs provided. However, it assumes a constant annual return and steady contributions, which will not match real-world market volatility. Treat results as directional estimates, not guarantees.

Retiring earlier means fewer years of contributions and more years of withdrawals, which significantly reduces the balance available. Retiring later has the opposite effect — more contributions, more compound growth, and fewer withdrawal years. Use the calculator to model both scenarios and find your optimal target.