Retirement Calculator

How much do you need to retire?

Enter your numbers and press Calculate.

About the Retirement Calculator

This calculator compares projected retirement savings against an estimated income need in retirement. It grows current savings plus contributions at an assumed return until retirement age, then tests whether the balance can support withdrawals over the retirement period.

Many projections reference a withdrawal rate of around 4% per year as a starting point for discussion, but sustainable rates depend on market returns, longevity, and spending flexibility. Treat the output as a planning estimate.

How this works

Needed = (income × replacement%) ÷ withdrawal rate; Projected = FV of savings + contributions.

Assumptions

The withdrawal rate is the "4% rule"-style safe withdrawal estimate.
Returns are a fixed average.
Income replacement is based on today’s income; inflation is not modeled.

Frequently asked questions

What is the 4% rule?

A rule of thumb suggesting that withdrawing about 4% of a portfolio in the first year of retirement, adjusted for inflation after that, has historically lasted about 30 years. It is a reference point, not a guarantee.

Does this include Social Security?

Only if you enter it as expected retirement income. The calculator does not estimate your benefit; the Social Security Administration provides that.

How sensitive is the result to the return assumption?

Very. Small changes in assumed return compound over decades, which is why testing several scenarios is useful.

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This calculator provides estimates for educational purposes only and is not personalized financial advice. Rates, taxes, and financial products change — verify with providers and qualified professionals.