Retirement Planner
Project your retirement savings and see if you are on track to reach your goals.
Your Details
4% is the classic safe withdrawal rate
Projected Savings at Age 65
$1,188,181.1
In today's dollars: $500,665.14 · Over 35 years
Monthly Withdrawal
$3,960.6
Annual Withdrawal
$47,527.24
Interest Earned
$953,181.1
Money Lasts
100 yrs
Savings Growth to Retirement
Projections assume a constant rate of return and do not account for market volatility, taxes on withdrawals, or Social Security income. Consult a financial advisor for personalized retirement planning.
Retirement Planner FAQ
A common rule is the 25x rule: save 25 times your annual expenses. If you spend $50,000/year, you need $1.25 million. This is based on the 4% safe withdrawal rate.
The 4% rule suggests you can withdraw 4% of your retirement savings annually without running out of money over a 30-year retirement. It is based on historical market returns.
As early as possible. Due to compound interest, money invested in your 20s is worth far more than money invested in your 40s. Even small amounts early make a huge difference.
A 401(k) is a tax-advantaged retirement account offered by employers. Contributions reduce your taxable income now (traditional) or grow tax-free (Roth). Many employers match contributions up to a percentage.
A common target is 15% of gross income including employer match. If starting late, you may need 20-25%. Use this calculator to find your specific target based on your retirement goals.