Retirement Calculator

Project your retirement savings with 401k, IRA, and employer match contributions. See if you're on track to retire comfortably.

Current Age

Retire At

Life Expectancy

6690 years old100

Current Savings

Monthly Contribution

Employer Match

Annual Return: 7%

1%15%

Inflation Rate: 3%

Retirement Income

Desired Annual Income

Monthly Social Security

✅

You're on Track!

Your savings will last approximately 35 years in retirement, covering you through age 100.

Nest Egg at 65

$2,839,759

Total Contributed

$575,000

Investment Growth

$2,264,759

Safe Withdrawal (4%)

$113,590/yr

Safe Monthly Income

$9,466/mo

Money Lasts

35 years

Nest Egg Composition

Contributions (20%) Growth (80%)

Accumulation Phase

Age	Balance	Contributed	Growth
31	$69,196	$65,000	$4,196
32	$89,779	$80,000	$9,779
33	$111,850	$95,000	$16,850
34	$135,517	$110,000	$25,517
35	$160,894	$125,000	$35,894
36	$188,107	$140,000	$48,107
37	$217,286	$155,000	$62,286
38	$248,575	$170,000	$78,575
39	$282,125	$185,000	$97,125
40	$318,101	$200,000	$118,101
41	$356,678	$215,000	$141,678
42	$398,043	$230,000	$168,043
43	$442,399	$245,000	$197,399
44	$489,961	$260,000	$229,961
45	$540,961	$275,000	$265,961
46	$595,649	$290,000	$305,649
47	$654,289	$305,000	$349,289
48	$717,169	$320,000	$397,169
49	$784,594	$335,000	$449,594
50	$856,894	$350,000	$506,894
51	$934,420	$365,000	$569,420
52	$1,017,550	$380,000	$637,550
53	$1,106,690	$395,000	$711,690
54	$1,202,274	$410,000	$792,274
55	$1,304,767	$425,000	$879,767
56	$1,414,670	$440,000	$974,670
57	$1,532,518	$455,000	$1,077,518
58	$1,658,885	$470,000	$1,188,885
59	$1,794,387	$485,000	$1,309,387
60	$1,939,684	$500,000	$1,439,684
61	$2,095,485	$515,000	$1,580,485
62	$2,262,549	$530,000	$1,732,549
63	$2,441,690	$545,000	$1,896,690
64	$2,633,781	$560,000	$2,073,781
65	$2,839,759	$575,000	$2,264,759

Retirement Planning Essentials

The 4% rule suggests you can safely withdraw 4% of your retirement portfolio annually without running out of money over a 30-year retirement. This means you need roughly 25 times your desired annual retirement income saved.

Employer matching is essentially free money. If your employer matches 50% of contributions up to 6% of salary, always contribute at least 6% to capture the full match. Not doing so is leaving guaranteed 50% returns on the table.

Starting early is the most powerful factor. Someone who starts saving $500/month at age 25 will have significantly more at 65 than someone who starts saving $1,000/month at age 35, despite contributing less total money. This is the power of compound growth over time.