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.
What the result means
The projected balance is what your savings and contributions grow to by retirement. Monthly income applies a safe withdrawal rate — commonly 4% — to show what that balance can safely pay you each year.
Frequently asked questions
What's a safe withdrawal rate?
4% is the classic rule of thumb — withdrawing 4% of your balance yearly, adjusted for inflation, is designed to last 30 years.
What return should I assume?
6-8% is a common long-term planning assumption for a diversified portfolio. Use a lower number if you want to be conservative.