Retirement Calculator
Project retirement savings and estimate whether you're on track for your income goal. Includes inflation adjustment, fees, Social Security, and CSV export.
Show today's dollars
Inflation-adjust balances and goals
Include Social Security
Subtract from your income need
Balance at retirement
$1,845,638
Today's dollars: $777,698
Target nest egg
$1,423,923
Rule-of-thumb using 4% withdrawal rate
On track?
Yes
Years to retire: 35
Needed from portfolio (annual)
$56,957
Social Security: $56,957
Note
This is a planning projection. Taxes, contribution limits, and market volatility are not modeled.
| Year | Age | Phase | End balance |
|---|---|---|---|
| 0 | 30 | accumulation | $57,937 |
| 1 | 31 | accumulation | $71,740 |
| 2 | 32 | accumulation | $86,468 |
| 3 | 33 | accumulation | $102,183 |
| 4 | 34 | accumulation | $118,951 |
| 5 | 35 | accumulation | $136,842 |
| 6 | 36 | accumulation | $155,932 |
| 7 | 37 | accumulation | $176,301 |
| 8 | 38 | accumulation | $198,035 |
| 9 | 39 | accumulation | $221,225 |
| 10 | 40 | accumulation | $245,969 |
| 11 | 41 | accumulation | $272,370 |
| 12 | 42 | accumulation | $300,541 |
| 13 | 43 | accumulation | $330,599 |
| 14 | 44 | accumulation | $362,670 |
| 15 | 45 | accumulation | $396,891 |
| 16 | 46 | accumulation | $433,404 |
| 17 | 47 | accumulation | $472,364 |
| 18 | 48 | accumulation | $513,934 |
| 19 | 49 | accumulation | $558,289 |
Our retirement calculator helps you estimate how your savings could grow and how much you might need for retirement. Try different assumptions for returns, inflation, fees, and contributions.
Common Use Cases
- ✓Retirement planning
Project how your savings could grow until retirement based on contributions and returns.
- ✓Income goal modeling
Estimate the nest egg required to support a target retirement spending level.
- ✓Inflation-aware estimates
Toggle inflation adjustment to compare nominal vs today's dollars.
- ✓Social Security assumptions
Include an estimated Social Security benefit to reduce portfolio income needs.
Key Features
Projection + nest egg target
Shows your projected balance at retirement and a target nest egg using a withdrawal rate rule-of-thumb.
Inflation + fees
Adjust for inflation and investment fees.
Social Security toggle
Model Social Security as a supplemental income source.
Copy + CSV export
Copy key results and export the year-by-year projection.
Frequently Asked Questions
What is a withdrawal rate?
A withdrawal rate is the percent of your portfolio you plan to withdraw each year in retirement. A common rule-of-thumb is around 4%, but appropriate rates vary by situation.
Does this include taxes?
No. This is a planning tool and does not model taxes, contribution limits, or account types. Add a margin if you expect taxes to reduce net income.
Is the projection guaranteed?
No. Markets fluctuate and returns vary. Use this as an estimate and consider conservative assumptions.
Can I export the projection?
Yes—download the year-by-year projection as CSV.