Retirement Details
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Retirement Calculator Guide
Project how much your retirement savings could grow by the time you retire, based on your current balance, monthly contributions, and expected return — plus a rough estimate of the monthly income it could provide.
Your current savings grow with compound interest, and each monthly contribution grows too. The estimated income uses the common 4% rule — withdrawing about 4% of the balance per year.
How Much Will I Have at Retirement?
It depends on how much you have, how much you add, your return, and how many years you have left. For example, $25,000 today plus $500 a month at a 7% return over 35 years could grow to over $1 million.
The Power of Starting Early
Because compounding rewards time, starting in your twenties rather than your forties can more than double your final balance for the same monthly contribution. Even small increases in your monthly amount add up substantially over decades.
These results are estimates for education and planning, not financial advice. Actual returns, rates, and terms vary — check with a qualified professional before making decisions.
Related: Compound Interest, Savings Goal, and ROI Calculator.
Frequently Asked Questions
How much will I have at retirement?
Enter your age, savings, monthly contribution, and expected return, and the calculator projects your balance at your retirement age.
What is the 4% rule?
A guideline suggesting you can withdraw about 4% of your retirement savings in the first year, adjusting for inflation after, with a good chance the money lasts.
What return rate should I assume?
Many people use a long-term average for diversified investments, but returns vary year to year and are never guaranteed.
Does this account for inflation?
No — the figures are in today's dollars before inflation, so real buying power at retirement will be lower.
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