Retirement Savings Calculator
Project your retirement savings, estimate monthly income using the 4% rule, and see inflation-adjusted value.
Projected Savings at 65
$1,188,181
Inflation-Adjusted
$422,260
Monthly Income (4% rule)
$1,408
Years in Retirement
25 yrs
Investment Period
35 yrs
How This Retirement Calculator Works
This retirement savings calculator projects your portfolio balance at retirement by compounding your current savings and monthly contributions at your expected annual return rate. It uses the standard future value of annuity formula to account for ongoing contributions throughout your working years.
The inflation-adjusted figure shows the real purchasing power of your projected savings in today's dollars, assuming a fixed inflation rate you provide (default 3%). This is arguably the more important number — it shows what your retirement fund is actually worth relative to current prices, not just the nominal amount.
Monthly retirement income is calculated using the 4% rule: your inflation-adjusted balance multiplied by 4%, then divided by 12. This represents a sustainable withdrawal rate based on historical market performance. The "years of income" figure shows how long the portfolio would last at that withdrawal rate with no additional growth — a conservative floor estimate.
The line chart shows your savings trajectory from today to retirement age. The steepening curve toward the end demonstrates compounding — your money grows faster as the balance increases. This is why every year of additional contributions has a multiplied effect rather than a linear one.