Retirement Calculator
See what your current savings grow into by retirement, watch the balance split into savings, contributions, and growth on a live chart, and explore how small changes move the number.
All in today's dollars, no target to hit, no judgment. Just your trajectory.
In today's dollars, about 59% of it is investment growth. That supports roughly $2,097/mo ($25,162/yr) gross, using the 4% rule.
≈ $2,011/mo after an estimated 4.1% income tax in California (traditional). A Roth account would be tax-free. Tax uses the standard deduction for a filer under 65; the extra deduction at 65+ and the temporary senior deduction are not applied, so tax may be overstated.
How this calculator works
Enter where you are today, your age, when you'd like to retire, what you've saved, and what you add each month. The calculator grows that forward at an inflation-adjusted return and shows the projected balance in today's dollars, so the number reflects real buying power rather than an inflated future figure.
The live chart breaks the balance into three parts, what you started with, what you contributed, and what the market added, so you can see how much of the total is pure compound growth. Below it, a 4%-rule estimate translates the balance into supportable monthly income, and the “what if” cards show how saving a little more, retiring slightly later, or earning a bit more changes things.
Savings, contributions, and growth, re-proportioning as you type.
Inflation-adjusted, so the number reflects real buying power.
A 4%-rule translation from balance to monthly income.
See the effect of small changes, no pressure, just options.
Good to know before you use it
The Average view uses a fixed return. Range of outcomes simulates variable returns to illustrate sequence-of-returns risk. Either way, a projection is a guide, not a prediction.
There's deliberately no “target” or “you're behind” verdict. What you should save and spend is your call; this tool just shows where your current path leads and lets you explore.
The income figure is a simple 4%-rule reference. For a detailed drawdown with taxes and longevity, use the Retirement Withdrawal Calculator.
This calculator is not tax or investment advice.
Frequently asked questions
How does this calculator work?+
Why today's dollars?+
How much income will it support?+
What return should I assume?+
Keep planning your retirement
Explore the drawdown side, tax-advantaged savings, and the rest of your financial picture.
Sources and limits
Written and maintained by Relocation By Numbers. Sources and limits reviewed October 13, 2026. Found a mistake? Tell us in the feedback box below. Full methodology
Projects balances from the inputs you enter in today's dollars; no external data source is used.
Not included
- The Average view uses a fixed return and does not model market volatility; the Range of outcomes view simulates variable returns to illustrate sequence-of-returns risk.
- Taxes on withdrawals follow the simplified treatment described on the Methodology page.