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.

See methodologyPlanning estimates only. Results depend on your inputs, tax status, and assumptions.

Live balance chartToday's dollarsSupportable incomeWhat-if scenarios

Where you are today

Account type

Current age

Retirement age

Current retirement savings

Monthly contribution

Assumptions

Expected annual return (%)

Inflation (%)

State

Filing status

Real return used: 3.88%. This is a smooth average-return projection — it does not model market volatility. No target or “on track” judgment: it simply shows where your current path lands.

Projected balance at age 65

$638,196

In today's dollars — about 59% of it is investment growth. That supports roughly $2,127/mo ($25,528/yr) gross, using the 4% rule.

≈ $2,021/mo after an estimated 5.0% income tax in California (traditional). Roth would be tax-free.

What makes up your balance

Current savings$50,000

Your contributions$210,000

Investment growth$378,196

What if… — small changes, big difference. Explore, no pressure.

Save $200 more / month

$817,589

+$179,393 vs. now

≈ $2,725/mo income

Retire 3 years later

$734,908

+$96,712 vs. now

≈ $2,450/mo income

Earn 1% more per year

$814,102

+$175,906 vs. now

≈ $2,714/mo income

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Bookmark your current inputs on this device so you can come back to them or compare with other saved scenarios.

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.

Live balance chart

Savings, contributions, and growth, re-proportioning as you type.

Today's dollars

Inflation-adjusted, so the number reflects real buying power.

Supportable income

A 4%-rule translation from balance to monthly income.

What-if scenarios

See the effect of small changes — no pressure, just options.

Good to know before you use it

This is a smooth, average-return projection. Real markets are volatile, and the order of returns matters — 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.

✓No account or sign-up required

✓No target, no judgment

✓Results in today's dollars

Frequently asked questions

How does this calculator work?+

It grows your savings and contributions to your retirement age at an inflation-adjusted return, shows the projected balance in today's dollars, splits it into savings/contributions/growth, and estimates supportable income with the 4% rule. No target, no 'on track' verdict.

Why today's dollars?+

A future balance in future dollars overstates real buying power. Growing at the inflation-adjusted real return (with contributions keeping pace) keeps every figure in present-day purchasing power.

How much income will it support?+

As a reference, the 4% rule — roughly 4% of the balance per year. For a detailed, tax-aware drawdown, use the Retirement Withdrawal Calculator.

What return should I assume?+

There's no single right number. A diversified portfolio has historically returned ~6–8% before inflation over long periods, but the future is uncertain — try a range to test sensitivity.

Keep planning your retirement

Explore the drawdown side, tax-advantaged savings, and the rest of your financial picture.