Retirement Calculator
Free retirement calculator. Calculate retirement savings needs, project future value, and check if you're on track. Uses 4% withdrawal rule.
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55.3%
Need $1,885,910 more
$2,334,884
in 35 years
$7,783
at 4% withdrawal
$4,220,794
inflation-adjusted
35
retire at age 65
Gap Analysis
Retirement Shortfall
$1,885,910
Additional Monthly Contribution Needed
$1,047
Savings Breakdown at Retirement
Current Savings Growth
$533,829
Future Contributions
$1,801,055
Total Contributions
$470,000
Growth Projection
| Age | Year | Balance |
|---|---|---|
| 35 | 5 | $139,136 |
| 40 | 10 | $264,155 |
| 45 | 15 | $439,500 |
| 50 | 20 | $685,430 |
| 55 | 25 | $1,030,360 |
| 60 | 30 | $1,514,142 |
| 65 | 35 | $2,192,672 |
The 4% Rule
The 4% rule suggests you can withdraw 4% of your retirement savings annually without running out of money over a 30-year retirement. This means you need 25x your desired annual income saved for retirement.
Retirement Planning Tips
- Maximize employer 401(k) matching - it's free money
- Consider tax-advantaged accounts (IRA, Roth IRA, HSA)
- Increase contributions with every raise
- Start early - compound interest is powerful
- Diversify investments based on your timeline
- Account for healthcare costs in retirement
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