Retirement Calculator
Find out exactly how much you'll have at retirement, whether you're on track, and how long your savings will last. Based on the 4% safe withdrawal rule.
Retirement Projection
How Much Do You Need to Retire?
The most widely used retirement planning benchmark is the 4% rule: your retirement portfolio should be 25× your annual expenses. If you need $60,000/year, you need $1.5 million saved. This rule comes from the Trinity Study, which found a 4% withdrawal rate from a balanced portfolio has historically lasted 30+ years.
The Power of Starting Early
Contributing $500/month from age 25 at 7% return grows to ~$1.37M by 65. Starting at 35 gives only ~$606K. The 10-year head start is worth $760,000 due to compound interest. Every year you wait costs you significantly more than the contributions themselves.
The FIRE Movement
Financial Independence, Retire Early (FIRE) applies the same 4% rule but with an accelerated timeline. To retire at 45 instead of 65, you need the same nest egg (25× expenses) but in half the time — requiring aggressive savings rates of 50–70% of income. Use this calculator to model different retirement ages.
Important Caveats
This calculator provides estimates. Actual returns vary, inflation fluctuates, and Social Security benefits aren't included. For a comprehensive plan, consult a fee-only financial advisor. This tool is best used for ballpark planning and understanding the levers available to you.