Retirement Calculator
Plan your retirement savings and see if you're on track
On Track for Retirement
Savings at Retirement
$2,386,868.35
Age 65
Monthly Income
$9,456.23
From savings + Social Security
Years in Retirement
25 years
Ages 65-90
Total Needed
$750,000.00
Based on 4% rule
Planning Summary
Key Metrics
Years until retirement35 years
Total contributions$470,000.00
Monthly need in retirement$2,500.00
Social Security coverage38%
Input Parameters
Current Age
30 years
Retirement Age
65 years
Life Expectancy
90 years
Current Savings
$50,000.00
Monthly Contribution
$1,000.00
Pre-Retirement Return
7%
Post-Retirement Return
4%
Monthly Expenses
$4,000.00
Social Security
$1,500.00
years
Range: 18 - 80
years
Range: 31 - 85
years
Range: 66 - 110
$
$
%
%
$
$
You're on track for retirement!
At retirement, you'll have $2,386,868.35 saved.
Savings at Retirement
$2,386,868.35
Age 65
Monthly Income
$9,456.23
From savings + Social Security
Years in Retirement
25 years
Ages 65-90
Total Needed
$750,000.00
Based on 4% rule
Savings Projection
| Year | Balance | Contributions |
|---|---|---|
| Year 0 | $50,000.00 | $50,000.00 |
| Year 1 | $66,079.38 | $62,000.00 |
| Year 2 | $83,321.14 | $74,000.00 |
| Year 3 | $101,809.31 | $86,000.00 |
| Year 4 | $121,633.98 | $98,000.00 |
| Year 5 | $142,891.79 | $110,000.00 |
| Year 6 | $165,686.32 | $122,000.00 |
| Year 7 | $190,128.68 | $134,000.00 |
| Year 8 | $216,337.97 | $146,000.00 |
| Year 9 | $244,441.94 | $158,000.00 |
| Year 10 | $274,577.54 | $170,000.00 |
| Year 11 | $306,891.65 | $182,000.00 |
| Year 12 | $341,541.74 | $194,000.00 |
| Year 13 | $378,696.70 | $206,000.00 |
| Year 14 | $418,537.59 | $218,000.00 |
| Year 15 | $461,258.58 | $230,000.00 |
| Year 16 | $507,067.88 | $242,000.00 |
| Year 17 | $556,188.73 | $254,000.00 |
| Year 18 | $608,860.53 | $266,000.00 |
| Year 19 | $665,339.98 | $278,000.00 |
| Year 20 | $725,902.34 | $290,000.00 |
| Year 21 | $790,842.76 | $302,000.00 |
| Year 22 | $860,477.72 | $314,000.00 |
| Year 23 | $935,146.60 | $326,000.00 |
| Year 24 | $1,015,213.30 | $338,000.00 |
| Year 25 | $1,101,068.02 | $350,000.00 |
| Year 26 | $1,193,129.19 | $362,000.00 |
| Year 27 | $1,291,845.47 | $374,000.00 |
| Year 28 | $1,397,697.96 | $386,000.00 |
| Year 29 | $1,511,202.54 | $398,000.00 |
| Year 30 | $1,632,912.37 | $410,000.00 |
| Year 31 | $1,763,420.61 | $422,000.00 |
| Year 32 | $1,903,363.30 | $434,000.00 |
| Year 33 | $2,053,422.47 | $446,000.00 |
| Year 34 | $2,214,329.42 | $458,000.00 |
| Year 35 | $2,386,868.35 | $470,000.00 |
| Year 36 | $2,453,556.89 | $482,000.00 |
| Year 37 | $2,522,962.42 | $494,000.00 |
| Year 38 | $2,595,195.65 | $506,000.00 |
| Year 39 | $2,670,371.77 | $518,000.00 |
| Year 40 | $2,748,610.67 | $530,000.00 |
| Year 41 | $2,830,037.16 | $542,000.00 |
| Year 42 | $2,914,781.08 | $554,000.00 |
| Year 43 | $3,002,977.60 | $566,000.00 |
| Year 44 | $3,094,767.38 | $578,000.00 |
| Year 45 | $3,190,296.83 | $590,000.00 |
| Year 46 | $3,289,718.28 | $602,000.00 |
| Year 47 | $3,393,190.33 | $614,000.00 |
| Year 48 | $3,500,877.98 | $626,000.00 |
| Year 49 | $3,612,952.99 | $638,000.00 |
| Year 50 | $3,729,594.11 | $650,000.00 |
| Year 51 | $3,850,987.37 | $662,000.00 |
| Year 52 | $3,977,326.38 | $674,000.00 |
| Year 53 | $4,108,812.64 | $686,000.00 |
| Year 54 | $4,245,655.85 | $698,000.00 |
| Year 55 | $4,388,074.26 | $710,000.00 |
| Year 56 | $4,536,295.02 | $722,000.00 |
| Year 57 | $4,690,554.52 | $734,000.00 |
| Year 58 | $4,851,098.79 | $746,000.00 |
| Year 59 | $5,018,183.89 | $758,000.00 |
| Year 60 | $5,192,076.28 | $770,000.00 |
Retirement Planning Summary
Years until retirement35 years
Total contributions$470,000.00
Monthly need in retirement$2,500.00
Social Security coverage38%
Calculator Assumptions
- 4% withdrawal rule: Based on Trinity Study for 30-year retirement horizon; may need adjustment for early retirement or longer life expectancy
- Returns: Pre-retirement default (7%) assumes diversified portfolio; post-retirement (4%) assumes conservative allocation
- Inflation: Expenses and Social Security shown in today's dollars; actual amounts will be higher nominally
- Social Security: Enter your expected benefit from ssa.gov; benefits may be reduced if claiming before full retirement age
- Taxes: Not deducted from projections; actual withdrawals from traditional accounts will be taxed
- Healthcare: Medicare costs not included; budget separately for supplemental coverage and out-of-pocket expenses
Related Tools
401(k) Calculator
Plan your 401(k) retirement savings
IRA Calculator
Plan your IRA retirement savings
FIRE Calculator
Calculate Financial Independence goals
Compound Interest Calculator
Calculate how investments grow over time
Simple Interest Calculator
Calculate simple interest on loans or investments
Daily Compound Interest
Calculate daily compounding interest