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🏖️ Retirement Calculator

Project how much you will have saved by retirement and whether your planned monthly withdrawals will last through retirement.

Quick answer: Starting at 35 with $50,000 saved and adding $800 a month at a 7% return, you would have $1,381,801.67 at 65 – enough to withdraw $8,077.87 a month for 25 years if it keeps earning 5%.

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years
years
$
$
%
years
$
Returns during retirement
%

Savings at age 65

$1,381,801.67

Enough for $6,000.00 a month for 25 years

Your contributions$338,000
Investment growth$1,043,802
Sustainable monthly withdrawal$8,077.87
Money lasts
All 25 years
Left at the end
$1,237,395
Projected balance by age
36 – Saving: $63,52936 – Retired: $03637 – Saving: $78,03537 – Retired: $038 – Saving: $93,59038 – Retired: $039 – Saving: $110,27039 – Retired: $040 – Saving: $128,15640 – Retired: $041 – Saving: $147,33441 – Retired: $04142 – Saving: $167,89942 – Retired: $043 – Saving: $189,95043 – Retired: $044 – Saving: $213,59644 – Retired: $045 – Saving: $238,95145 – Retired: $046 – Saving: $266,13946 – Retired: $04647 – Saving: $295,29247 – Retired: $048 – Saving: $326,55348 – Retired: $049 – Saving: $360,07349 – Retired: $050 – Saving: $396,01750 – Retired: $051 – Saving: $434,55951 – Retired: $05152 – Saving: $475,88852 – Retired: $053 – Saving: $520,20453 – Retired: $054 – Saving: $567,72354 – Retired: $055 – Saving: $618,67855 – Retired: $056 – Saving: $673,31756 – Retired: $05657 – Saving: $731,90557 – Retired: $058 – Saving: $794,72858 – Retired: $059 – Saving: $862,09359 – Retired: $060 – Saving: $934,32860 – Retired: $061 – Saving: $1,011,78561 – Retired: $06162 – Saving: $1,094,84162 – Retired: $063 – Saving: $1,183,90163 – Retired: $064 – Saving: $1,279,40064 – Retired: $065 – Saving: $1,381,80265 – Retired: $066 – Saving: $066 – Retired: $1,378,8246667 – Saving: $067 – Retired: $1,375,69468 – Saving: $068 – Retired: $1,372,40469 – Saving: $069 – Retired: $1,368,94670 – Saving: $070 – Retired: $1,365,31171 – Saving: $071 – Retired: $1,361,4897172 – Saving: $072 – Retired: $1,357,47373 – Saving: $073 – Retired: $1,353,25074 – Saving: $074 – Retired: $1,348,81275 – Saving: $075 – Retired: $1,344,14776 – Saving: $076 – Retired: $1,339,2437677 – Saving: $077 – Retired: $1,334,08878 – Saving: $078 – Retired: $1,328,66979 – Saving: $079 – Retired: $1,322,97380 – Saving: $080 – Retired: $1,316,98681 – Saving: $081 – Retired: $1,310,6928182 – Saving: $082 – Retired: $1,304,07783 – Saving: $083 – Retired: $1,297,12384 – Saving: $084 – Retired: $1,289,81385 – Saving: $085 – Retired: $1,282,12986 – Saving: $086 – Retired: $1,274,0528687 – Saving: $087 – Retired: $1,265,56288 – Saving: $088 – Retired: $1,256,63789 – Saving: $089 – Retired: $1,247,25690 – Saving: $090 – Retired: $1,237,395
SavingRetired
AgePhaseEnd-of-year balance
36Saving$63,529
37Saving$78,035
38Saving$93,590
39Saving$110,270
40Saving$128,156
41Saving$147,334
42Saving$167,899
43Saving$189,950
44Saving$213,596
45Saving$238,951
46Saving$266,139
47Saving$295,292
48Saving$326,553
49Saving$360,073
50Saving$396,017
51Saving$434,559
52Saving$475,888
53Saving$520,204
54Saving$567,723
55Saving$618,678
56Saving$673,317
57Saving$731,905
58Saving$794,728
59Saving$862,093
60Saving$934,328
61Saving$1,011,785
62Saving$1,094,841
63Saving$1,183,901
64Saving$1,279,400
65Saving$1,381,802
66Retired$1,378,824
67Retired$1,375,694
68Retired$1,372,404
69Retired$1,368,946
70Retired$1,365,311
71Retired$1,361,489
72Retired$1,357,473
73Retired$1,353,250
74Retired$1,348,812
75Retired$1,344,147
76Retired$1,339,243
77Retired$1,334,088
78Retired$1,328,669
79Retired$1,322,973
80Retired$1,316,986
81Retired$1,310,692
82Retired$1,304,077
83Retired$1,297,123
84Retired$1,289,813
85Retired$1,282,129
86Retired$1,274,052
87Retired$1,265,562
88Retired$1,256,637
89Retired$1,247,256
90Retired$1,237,395

How the retirement projection works

The calculator runs two phases month by month. While you are working, your balance grows at the expected return and each monthly contribution is added. After you retire, the balance keeps earning the retirement return while your monthly withdrawal is taken out.

Saving: B = B × (1 + r) + Contribution  ·  Retired: B = B × (1 + rret) − Withdrawal

Here r is the annual return divided by 12. The sustainable withdrawal is the level monthly amount that would draw the nest egg down to exactly zero by the end of retirement.

Worked example

You are 35, have $50,000 saved and invest $800 a month at 7% until 65. After 30 years the balance reaches $1,381,801.67, of which only $338,000 is your own money – the rest is growth. Earning 5% in retirement, that supports $8,077.87 a month for 25 years, so a $6,000 withdrawal lasts comfortably.

Rules of thumb

GuidelineWhat it says
4% ruleWithdraw 4% of savings in year one, then adjust for inflation
25× ruleSave 25 times your yearly spending
15% savings rateSave around 15% of pay, including any employer match
70–80% replacementPlan for 70–80% of pre-retirement income

Tips

  • Start early – money invested in your 30s has decades longer to compound than money invested in your 50s.
  • Capture any employer match first; it is an instant return on your contribution.
  • Re-run the numbers each year with your real balance and adjust contributions.

Estimates for educational purposes, not financial advice.

Frequently asked questions

How much do I need to retire?

A common rule of thumb is 25 times your yearly spending (the 4% rule). If you need $60,000 a year from savings, aim for about $1.5 million. Use the withdrawal field to test your own number.

What return should I assume?

A diversified stock-heavy portfolio has historically returned around 6–8% a year before inflation; conservative planners use 5–6%. Use a lower rate in retirement, when portfolios usually hold more bonds.

Does this account for inflation?

No – figures are in future (nominal) money. To think in today’s money, subtract expected inflation from the return, e.g. use 4% instead of 7% if you expect 3% inflation.

What if my money runs out too soon?

Contribute more, retire a few years later, plan smaller withdrawals or count on other income such as Social Security or a pension. Retiring two or three years later helps twice: more saving years and fewer withdrawal years.

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