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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60.5%
Need $1,770,115 more
$2,707,725
in 37 years
$9,026
at 4% withdrawal
$4,477,840
inflation-adjusted
37
retire at age 67
Gap Analysis
Retirement Shortfall
$1,770,115
Additional Monthly Contribution Needed
$844
Savings Breakdown at Retirement
Current Savings Growth
$611,181
Future Contributions
$2,096,544
Total Contributions
$494,000
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 |
| 67 | 37 | $2,535,230 |
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 retirement matching - it's free money
- Consider tax-advantaged retirement accounts
- 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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Last updated: January 2026
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Frequently Asked Questions
What is the 4% rule and how does it work?
The 4% rule is a retirement guideline suggesting you can withdraw 4% of your savings annually without running out of money over 30 years. For example, with $1 million saved, you could withdraw $40,000 per year. This means you need 25 times your desired annual income saved (Annual Income × 25 = Retirement Target).
How much should I have saved for retirement by age 30, 40, and 50?
A common guideline: by age 30, save 1x your annual salary; by 40, save 3x; by 50, save 6x; by 60, save 8x; and by 67, save 10x. So if you earn $60,000, aim for $60,000 saved by 30, $180,000 by 40, and $360,000 by 50.
What's a realistic expected return for retirement calculations?
Historically, a diversified stock portfolio returns about 7% annually after inflation. For conservative planning, use 5-6%. For aggressive estimates, 8-10%. Closer to retirement, shift to bonds (3-5% return) to reduce risk. Most planners use 6-7% as a balanced assumption.
Should I include Social Security in my retirement calculations?
Yes, but be conservative. The average Social Security benefit is about $1,800/month ($21,600/year). You can get your personalized estimate at ssa.gov. Many planners suggest assuming 75-80% of your projected benefit to account for potential future changes to the program.
What is FIRE and how do I calculate my FIRE number?
FIRE (Financial Independence, Retire Early) means saving enough to live off investments indefinitely. Your FIRE number = Annual Expenses × 25. For example, if you spend $40,000/year, your FIRE number is $1 million. Some use a more conservative 30x or 33x multiplier for extra safety margin.