Retirement Projector
See how your current savings and monthly contributions will grow by retirement.
Projected balance at retirement:
Monthly income in retirement (at safe rate):
Years until retirement:
Projected balance by age
How to use this calculator
Enter your current age, desired retirement age, current savings, monthly contribution, expected annual return and safe withdrawal rate, then press Project. Your projected balance at retirement and monthly income appear with a growth chart.
Worked example
Save $100,000 by 30, add $800 a month and earn 7% until 60, and the account grows to roughly $1.79 million. At a 4% safe withdrawal rate that funds about $71,500 a year - a strong income from a long runway of compounding. Starting that same plan at 40 roughly halves the ending balance.
What the result means
The tool projects your balance at retirement and what a sustainable withdrawal rate lets you spend each year. The 4% rule is a planning benchmark: in most historical scenarios, withdrawing 4% of the balance yearly left the principal intact over a 30-year retirement.
Why the inputs interact
- Years to retirement matter more than any other input - compounding needs time.
- The withdrawal rate decides how much income the final balance buys.
- Contributions rise with income, so review the plan whenever you get a raise.
Frequently asked questions
Is 4% still safe?
It is a widely used starting point. Conservative planners use 3-3.5%, and flexible spending in down years makes any rate safer.
Does this include Social Security?
No - it models your investments only. Add any pension or Social Security income on top when planning the real budget.