Estimate how much your retirement savings could grow to by your target retirement age, based on your current savings, monthly contributions and expected annual return.
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This calculator compounds your current savings forward to your retirement age, and separately calculates the future value of your ongoing monthly contributions using the future value of an annuity formula, then adds the two together to get your projected total retirement corpus.
The estimated monthly income uses the widely referenced 4% rule, which suggests withdrawing about 4% of your retirement savings per year can be sustained over a long retirement without depleting the principal too quickly, though this is a general guideline, not a guarantee, and doesn't account for inflation, sequence-of-returns risk, or your specific spending needs.
No, this calculator projects nominal (non-inflation-adjusted) future values. Your actual purchasing power at retirement will be lower than the projected corpus suggests, since prices generally rise over time.
No, the 4% rule is a commonly cited planning guideline based on historical market data, not a guarantee. Actual sustainable withdrawal rates depend on market performance, your investment mix, and how long your retirement lasts.
This calculator assumes a constant, uninterrupted monthly contribution. Pauses or changes in your contribution amount will affect your actual results compared to this projection.
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