Free Retirement Calculator
See how your savings will grow over time. Plan your retirement with confidence.
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Projected Retirement Savings
Total Contributed
Investment Growth
Monthly Income (4% Rule)
Years Investing
Savings Growth Over Time
Contributions
Growth
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Frequently Asked Questions
How is retirement savings calculated? +
Retirement savings are calculated using compound interest. Your current savings grow at the expected annual return rate, and monthly contributions are added and compounded over time until your retirement age. The formula accounts for the time value of money.
What is a good expected rate of return? +
The historical average annual return of the S&P 500 is about 10% before inflation (roughly 7% after inflation). A conservative estimate is 6-7%, moderate is 8-10%, and aggressive is 10-12%. Your actual return depends on your investment mix.
How much should I save for retirement? +
A common rule of thumb is to save 10-15% of your gross income for retirement. Financial advisors often suggest having 25 times your annual expenses saved by retirement (the 4% rule). The exact amount depends on your lifestyle, location, and retirement goals.
What is the 4% rule for retirement? +
The 4% rule suggests you can withdraw 4% of your retirement savings annually without running out of money over a 30-year retirement. For example, with $1 million saved, you could withdraw $40,000 per year. This rule assumes a balanced portfolio of stocks and bonds.
Is my financial data stored? +
No. All calculations happen entirely in your browser. Your financial information is never sent to any server or stored anywhere. Your privacy is fully protected.
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