How much should I save for retirement?

A common guideline is to save 15% of your gross income (including any employer match). By age 30, aim to have 1x your salary saved; by 40, 3x; by 50, 6x; and by 60, 8x. These are rough benchmarks — the right amount depends on your expected retirement age, spending needs, Social Security benefits, and other income sources.

How much do I need to retire comfortably?

The traditional rule of thumb is 25 times your annual expenses (the inverse of the 4% withdrawal rule). If you spend $60,000 per year, that suggests a $1.5 million portfolio. However, this varies based on your expected retirement length, healthcare costs, Social Security income, and risk tolerance. Use this calculator to model your specific situation.

What is the 4% rule for retirement withdrawals?

The 4% rule suggests you can withdraw 4% of your portfolio in the first year of retirement, then adjust that amount for inflation each subsequent year, with a high probability of not running out of money over 30 years. It's based on historical stock and bond returns. Many financial planners now suggest 3.5% to 4.5% depending on your asset allocation and retirement length.

Retirement

Are You on Track to Retire Comfortably?

Project your retirement nest egg growth based on your savings, contributions, and expected returns.

Current Monthly Payment

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New Monthly Payment

—

Est. Interest Saved

—

Break-Even

—

Your Details

Current Age

Retirement Age

Savings & Returns

Current Retirement Savings

Monthly Contribution

Include employer match if applicable

Expected Annual Return

Social Security (optional)

Est. monthly benefit at retirement age

Projected Balance at Age 65

$1,394,374

Over 35 years at 7% annual return

Est. Monthly Income

$4,648/mo

4% withdrawal rate

Savings Growth Over Time

Shows projected total balance over time. The dashed line represents money you put in; the gap between the lines is compound growth.

Personal & Tax Info

Current Age

Retirement Age

Est. Tax Rate in Retirement

Applied to tax-deferred withdrawals

Est. Monthly Social Security Benefit

Optional — added to 4% rule income estimate

After-Tax Account Treatment

Projection Settings

Projection Mode

Rebalance annually

Compare rebalance vs. drift

Inflation Rate (%)

401(k), 403(b), Traditional IRA — pre-tax contributions, taxed withdrawals

Current Balance

Annual Contribution

Expected Returns

Expected Return

Projected Balance at Retirement

$5,999,068

35 years of compounding

After-Tax Value

$5,140,123

at 22% retirement tax rate

Est. Monthly Income

$17,134/mo

4% rule

Inflation-Adjusted (Real) Values

Today's purchasing power at 2.5% annual inflation

Real Balance: $2,527,834

Real After-Tax: $2,165,899

Nominal: $5,999,068

Savings Projection by Account

Stacked areas show each account type growing over time. The dashed line represents total contributions — the gap above it is compound growth.

Account Breakdown at Retirement

Tax-Deferred

$3,904,297

Contributions: $872,500

Growth: $3,031,797

After 22% tax: $3,045,352

Tax-Exempt (Roth)

$1,270,884

Contributions: $270,000

Growth: $1,000,884

Qualified withdrawals are tax-free

After-Tax

$823,887

Contributions: $185,000

Growth: $638,887

Cost-basis withdrawals not taxed

Year-by-Year Projection

Year	Age	Tax-Def.	Roth	After-Tax	Total	Contrib.	Growth
0	30	$50,000	$25,000	$10,000	$85,000	$85,000	$0
1	31	$77,882	$34,013	$15,888	$127,782	$120,500	$7,282
2	32	$107,715	$43,656	$22,187	$173,559	$156,000	$17,559
3	33	$139,637	$53,975	$28,928	$222,540	$191,500	$31,040
4	34	$173,794	$65,016	$36,141	$274,950	$227,000	$47,950
5	35	$210,341	$76,830	$43,858	$331,029	$262,500	$68,529
6	36	$249,447	$89,470	$52,116	$391,033	$298,000	$93,033
7	37	$291,290	$102,996	$60,952	$455,237	$333,500	$121,737
8	38	$336,062	$117,468	$70,406	$523,936	$369,000	$154,936
9	39	$383,968	$132,954	$80,522	$597,444	$404,500	$192,944
10	40	$435,228	$149,523	$91,346	$676,097	$440,000	$236,097
11	41	$490,076	$167,252	$102,928	$760,256	$475,500	$284,756
12	42	$548,763	$186,223	$115,320	$850,306	$511,000	$339,306
13	43	$611,558	$206,521	$128,581	$946,660	$546,500	$400,160
14	44	$678,749	$228,240	$142,769	$1,049,758	$582,000	$467,758
15	45	$750,643	$251,480	$157,950	$1,160,073	$617,500	$542,573
16	46	$827,570	$276,346	$174,194	$1,278,110	$653,000	$625,110
17	47	$909,882	$302,953	$191,576	$1,404,410	$688,500	$715,910
18	48	$997,955	$331,422	$210,174	$1,539,551	$724,000	$815,551
19	49	$1,092,194	$361,884	$230,073	$1,684,152	$759,500	$924,652
20	50	$1,193,029	$394,479	$251,366	$1,838,874	$795,000	$1,043,874
21	51	$1,300,923	$429,355	$274,149	$2,004,428	$830,500	$1,173,928
22	52	$1,416,370	$466,673	$298,527	$2,181,570	$866,000	$1,315,570
23	53	$1,539,898	$506,602	$324,612	$2,371,112	$901,500	$1,469,612
24	54	$1,672,072	$549,327	$352,522	$2,573,922	$937,000	$1,636,922
25	55	$1,813,499	$595,043	$382,387	$2,790,928	$972,500	$1,818,428
26	56	$1,964,826	$643,959	$414,341	$3,023,126	$1,008,000	$2,015,126
27	57	$2,126,745	$696,298	$448,533	$3,271,577	$1,043,500	$2,228,077
28	58	$2,299,999	$752,302	$485,118	$3,537,419	$1,079,000	$2,458,419
29	59	$2,485,381	$812,226	$524,264	$3,821,870	$1,114,500	$2,707,370
30	60	$2,683,740	$876,344	$566,150	$4,126,234	$1,150,000	$2,976,234
31	61	$2,895,983	$944,951	$610,968	$4,451,902	$1,185,500	$3,266,402
32	62	$3,123,084	$1,018,360	$658,923	$4,800,367	$1,221,000	$3,579,367
33	63	$3,366,082	$1,096,908	$710,235	$5,173,225	$1,256,500	$3,916,725
34	64	$3,626,089	$1,180,954	$765,139	$5,572,183	$1,292,000	$4,280,183
35	65	$3,904,297	$1,270,884	$823,887	$5,999,068	$1,327,500	$4,671,568

About This Analysis

This calculator provides estimates based on the inputs you supply and assumes contributions are made monthly. Returns are not guaranteed and actual results will vary. It does not account for contribution limits, required minimum distributions, or inflation unless specified. The Social Security benefit field affects only the estimated monthly income display and does not adjust the accumulation projection. Monte Carlo simulations assume normally distributed returns, which may understate tail risk. The “4% rule” estimate for monthly income is a rough guideline and may not be appropriate for all situations. Results are for informational and educational purposes only. Consult a qualified financial professional before making retirement planning decisions.

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Are You on Track to Retire Comfortably?

Your Details

Savings & Returns

Savings Growth Over Time

Personal & Tax Info

Projection Settings

Tax-Deferred

Tax-Exempt (Roth)

After-Tax Brokerage

Savings Projection by Account

Account Breakdown at Retirement

Tax-Deferred

Tax-Exempt (Roth)

After-Tax

Year-by-Year Projection

About This Analysis

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