🌴 Retirement Calculator
Project how big your nest egg will be at retirement — and, using the classic 4% rule, roughly how much monthly income it could safely provide once you get there.
How much you'll have at retirement
Your retirement balance is driven by four things: what you've saved so far, how much you add each month, your investment return, and — most powerfully — how many years the money compounds. Because growth is exponential, starting a decade earlier often beats contributing far more later. This tool projects your balance at your chosen retirement age assuming steady monthly contributions.
The 4% rule for retirement income
A widely-cited guideline says you can withdraw about 4% of your portfolio in the first year of retirement (adjusting for inflation after), with a high chance the money lasts 30 years. We use it to translate your projected balance into a rough monthly income figure. It's a planning rule of thumb, not a guarantee — actual safe rates depend on markets, your timeline and how flexible your spending is.
Getting the most from your 401(k)
- Capture the full employer match first — it's an instant 100% return on those dollars. Include the match in the monthly figure above.
- Raise contributions with every pay rise so you never miss the money.
- Mind fees. A 1% higher expense ratio can quietly cost you years of retirement over a career; favor low-cost index funds.
- Use tax-advantaged space (401(k), IRA, Roth) before taxable accounts.
Frequently asked questions
How much will my 401(k) be worth at retirement?
Enter your current balance, monthly contribution (including employer match), expected return and ages above. The calculator compounds your contributions to your retirement age and shows the projected balance plus an estimated safe monthly income.
What return rate should I assume for retirement?
Many people model 6–7% for a diversified long-term portfolio. Being a little conservative is wise, since real returns vary year to year and sequence-of-returns risk matters near retirement.
What is the 4% rule?
It's a guideline that withdrawing about 4% of your portfolio in the first retirement year (then adjusting for inflation) has historically lasted around 30 years. We use it to estimate the monthly income your projected balance could support.
Should I include my employer match?
Yes — add it to your monthly contribution. An employer match is free money and one of the most powerful boosts to your final balance, so capturing the full match should be your first priority.
These calculators provide general estimates for educational purposes and do not constitute financial, tax, or legal advice. Figures are approximate; verify with a qualified professional and your lender before making decisions.