Retirement Savings Calculator
How much will you have when you retire? See the power of compound interest on your savings over time.
Historical S&P 500 average: ~10%. After inflation: ~7%.
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Planning Your Retirement
The earlier you start saving, the more compound interest works in your favor. Even small increases in monthly contributions can lead to hundreds of thousands of dollars more at retirement.
The 4% Rule
The 4% rule suggests you can safely withdraw 4% of your retirement savings per year (adjusted for inflation) without running out of money over a 30-year retirement. Our monthly income estimate is based on this widely-used guideline.
Key Assumptions
- 7% return — Represents the historical inflation-adjusted average of a diversified stock portfolio.
- Consistent contributions — The calculator assumes steady monthly contributions. In reality, you may increase contributions as your salary grows.
- No withdrawals — The projection assumes no early withdrawals or loans against your savings.
FAQ
How much should I save for retirement?
A common guideline is to save 15% of your pre-tax income (including employer match). Fidelity suggests having 1x your salary saved by 30, 3x by 40, 6x by 50, and 10x by 67.
What return rate should I use?
For a stock-heavy portfolio, 7% (inflation-adjusted) or 10% (nominal) is typical. For a more conservative mix including bonds, 5-6% is reasonable. Lower rates give more conservative estimates.
Is this calculation accurate?
This is a simplified projection. Real-world returns vary year to year, taxes affect your actual balance, and inflation reduces purchasing power. Use this as a starting point and consult a financial advisor for detailed planning.