Retirement Calculator
See how much you'll have at retirement and how long it will last
Retirement Planning Basics
The earlier you start, the less you need to contribute. Thanks to compounding, time is your greatest retirement asset.
Guide
How it works
This calculator projects your retirement savings using compound growth during the accumulation phase, then estimates how long the nest egg lasts based on the 4% withdrawal rule and your monthly expenses.
⚠️ Estimates only. Inflation, taxes, and Social Security are not included.
What is the 4% rule?expand_more
The 4% rule suggests withdrawing 4% of your portfolio annually in retirement, which historically has lasted 30+ years. Monthly income shown is based on this rule.
How much should I save for retirement?expand_more
A common target is 10–15% of gross income. Many experts suggest having 25× your annual expenses saved by retirement.
Should I include Social Security?expand_more
This calculator doesn't include Social Security. Add your estimated SS benefit to the monthly income figure for a more complete picture.
Next steps