Retirement Calculator
Plan your retirement with our free calculator.
100% in-browser ยท no data sent
Project savings growth, calculate monthly income using the 4% rule, and compare multiple scenarios.
Embed This Tool
Add this tool to your website with customizable styling
How to Use
- 1 Enter basic information โ Input your current age, retirement age, current savings, and monthly contribution amount.
- 2 Select expected return rate โ Choose from conservative (5%), moderate (7%), or aggressive (9%) return rates.
- 3 Configure advanced settings โ Add Social Security, employer match, inflation rate, and target income.
- 4 Review your projections โ See projected balance, monthly income, and whether you're on track.
- 5 Compare scenarios โ Save multiple scenarios to compare different plans side by side.
Frequently Asked Questions
What is the 4% rule?
The 4% rule suggests you can withdraw 4% of savings annually without running out over 30 years. With $1 million, you could withdraw $40,000/year ($3,333/month).
How does employer match work?
Employer match is free money your employer adds based on your contributions. A 50% match up to 6% means they add 3% when you contribute 6%.
Why adjust for inflation?
Inflation reduces purchasing power over time. The adjustment shows your balance in today's dollars for a realistic picture of retirement wealth.
How accurate are these projections?
These are estimates based on constant assumptions. Real returns vary. Use scenario comparison to see how different assumptions affect outcomes.