Calculate Your Retirement
Use this calculator to estimate your retirement savings, see if you're on track to meet your retirement income goals, and understand your success probability. Enter your current age, retirement age, current savings, monthly contributions, expected returns, desired retirement income, and expected Social Security benefits to get started. Learn more about 401(k) accounts.
Retirement Details
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$
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Expected annual return during accumulation
%
Expected annual return during retirement
$
$
Expected monthly Social Security benefit
Retirement Projection
Retirement Balance
$1,481,088
At age 65
Annual Withdrawal (4% Rule)
$59,244
Safe annual withdrawal amount
Annual Income Shortfall
$36,000
Additional income needed per year
Success Probability
100%
Likelihood of meeting retirement goals
Retirement Projection Report
February 9, 2026
Calculator Inputs
Current Age: 30
Retirement Age: 65
Current Savings: $50,000
Monthly Contribution: $500
Return Before: 7%
Return After: 5%
Desired Income: $60,000/yr
Social Security: $2,000/mo
| PROJECTION SUMMARY | |
|---|---|
| Retirement Balance | $1,481,088 |
| Annual Withdrawal (4% Rule) | $59,244 |
| Annual Income Shortfall | $36,000 |
| Total Contributions | $210,000 |
| Success Probability | 100% |
| Years Savings Will Last | 50 years |
| YEAR-BY-YEAR PROJECTION | ||||
|---|---|---|---|---|
| Age | Year | Balance | Contributions | Growth |
| 30 | 0 | $50,000 | $0 | $0 |
| 31 | 1 | $59,847 | $6,000 | $3,847 |
| 32 | 2 | $70,406 | $12,000 | $8,406 |
| 33 | 3 | $81,728 | $18,000 | $13,728 |
| 34 | 4 | $93,868 | $24,000 | $19,868 |
| 35 | 5 | $106,887 | $30,000 | $26,887 |
| 36 | 6 | $120,846 | $36,000 | $34,846 |
| 37 | 7 | $135,814 | $42,000 | $43,814 |
| 38 | 8 | $151,865 | $48,000 | $53,865 |
| 39 | 9 | $169,075 | $54,000 | $65,075 |
| 40 | 10 | $187,530 | $60,000 | $77,530 |
| 41 | 11 | $207,319 | $66,000 | $91,319 |
| 42 | 12 | $228,539 | $72,000 | $106,539 |
| 43 | 13 | $251,292 | $78,000 | $123,292 |
| 44 | 14 | $275,691 | $84,000 | $141,691 |
| 45 | 15 | $301,853 | $90,000 | $161,853 |
| 46 | 16 | $329,906 | $96,000 | $183,906 |
| 47 | 17 | $359,988 | $102,000 | $207,988 |
| 48 | 18 | $392,244 | $108,000 | $234,244 |
| 49 | 19 | $426,832 | $114,000 | $262,832 |
| 50 | 20 | $463,920 | $120,000 | $293,920 |
| 51 | 21 | $503,689 | $126,000 | $327,689 |
| 52 | 22 | $546,333 | $132,000 | $364,333 |
| 53 | 23 | $592,060 | $138,000 | $404,060 |
| 54 | 24 | $641,092 | $144,000 | $447,092 |
| 55 | 25 | $693,669 | $150,000 | $493,669 |
| 56 | 26 | $750,047 | $156,000 | $544,047 |
| 57 | 27 | $810,501 | $162,000 | $598,501 |
| 58 | 28 | $875,324 | $168,000 | $657,324 |
| 59 | 29 | $944,834 | $174,000 | $720,834 |
| 60 | 30 | $1,019,369 | $180,000 | $789,369 |
| 61 | 31 | $1,099,291 | $186,000 | $863,291 |
| 62 | 32 | $1,184,992 | $192,000 | $942,992 |
| 63 | 33 | $1,276,887 | $198,000 | $1,028,887 |
| 64 | 34 | $1,375,426 | $204,000 | $1,121,426 |
| 65 | 35 | $1,481,088 | $210,000 | $1,221,088 |
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Savings Growth Over Time
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