Retirement Calculator
Find out if you're on track for retirement. Enter your age, savings, contributions, and goals. Get gap analysis, projected savings, and actionable recommendations.
25.1Kuses
9.3/10(118)
Retirement Goals
On Track
You're projected to meet your retirement goal.
Projected Savings
$2,376,362
Savings Needed (4% Rule)
$1,000,000
Savings Last
100+ years
Years to Retire
35
Savings Breakdown at Retirement
Total Contributions$470,000
Total Interest Earned$1,906,362
Projected Total$2,376,362
Contributions (20%)
Interest (80%)
Growth Projection
| Age | Balance | Contributions | Interest |
|---|---|---|---|
| 31 | $66,007 | $62,000 | $4,007 |
| 34 | $121,312 | $98,000 | $23,312 |
| 37 | $189,499 | $134,000 | $55,499 |
| 40 | $273,568 | $170,000 | $103,568 |
| 43 | $377,219 | $206,000 | $171,219 |
| 46 | $505,013 | $242,000 | $263,013 |
| 49 | $662,574 | $278,000 | $384,574 |
| 52 | $856,834 | $314,000 | $542,834 |
| 55 | $1,096,343 | $350,000 | $746,343 |
| 58 | $1,391,639 | $386,000 | $1,005,639 |
| 61 | $1,755,717 | $422,000 | $1,333,717 |
| 64 | $2,204,599 | $458,000 | $1,746,599 |
| 65 | $2,376,362 | $470,000 | $1,906,362 |
How to Use the Retirement Calculator
- Enter your current age and target retirement age.
- Input your current retirement savings balance.
- Set your monthly contribution amount.
- Estimate your expected annual return rate.
- Enter your desired annual retirement income and expected Social Security.
- View your projected savings, gap analysis, and how long your money will last.
Features
- Compound growth projection to retirement age
- Gap analysis using the 4% withdrawal rule
- Shows extra monthly savings needed if behind
- Estimates how many years savings will last in retirement
- Year-by-year projection chart
- 100% client-side -- no data sent to any server
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Disclaimer: This tool is provided as-is for informational and educational purposes only.