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Retirement Calculator

Plan your retirement savings and calculate how much you need to retire comfortably. Get personalized projections and withdrawal strategies for your golden years.

Retirement Planning Details

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401k, IRA, and other retirement accounts

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Amount you plan to save each month

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Annual income needed in today's purchasing power

How long you expect to live (average is 78-85)

Retirement Projection

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Enter your retirement details above to see your personalized plan

Retirement Planning Guidelines

💰 Savings Rules of Thumb

  • • Save 10-15% of income for retirement
  • • Have 1x salary saved by age 30
  • • Have 10x salary saved by retirement
  • • Start as early as possible

📈 Investment Strategy

  • • Diversify across asset classes
  • • Consider target-date funds
  • • Rebalance portfolio annually
  • • Reduce risk as you near retirement

🎯 Withdrawal Tips

  • • Follow the 4% withdrawal rule
  • • Adjust for market conditions
  • • Consider tax implications
  • • Plan for healthcare costs
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How this is calculated · figures checked Oct 7, 2026

Compound growth of savings and contributions to retirement, then the income those savings can sustain over your expected retirement, adjusted for the inflation rate you enter. Returns are not guaranteed.

Figures used

Sources

Estimates for planning, not professional advice. What changed and when →

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