Retirement Savings Calculator

Estimate how your savings could grow by retirement age using current savings, monthly contributions, annual return, and inflation assumptions. Use it for scenario planning, then validate your plan with a qualified financial professional.

Finance calculators Read the retirement guide View methodology

Your Timeline

Current Age 35 years

Target Retirement Age 60 years

Current Nest Egg $25,000

Monthly Contribution $500

Expected Annual Return 7.0%

Long-term Inflation Rate 3.5%

Projected Wealth

Portfolio Value at Age 60

$842,000

Inflation Adjusted: $512,000

Gap vs Target ($800k)

+$218k

Monthly Draw (4% Rule)

$2,800

Portfolio Growth Projection

Frequently Asked Questions

What is the "4% Rule"? ＋

The 4% rule is a retirement planning rule of thumb for estimating first-year withdrawals. It is not a guarantee and may not fit every market, tax, or personal situation.

How should I estimate my "Annual Return"? ＋

Use a conservative long-term assumption that matches your asset mix and risk tolerance. Past market returns do not guarantee future results.

Why adjust for inflation? ＋

Inflation reduces purchasing power over time. The real-value estimate helps compare a future portfolio balance with today's money.

View Central FAQ →

Methodology & Trust

How the retirement estimate works

The calculator compounds current savings and recurring monthly contributions over the years until retirement using the selected annual return assumption.

Inflation-adjusted value discounts the future balance by the selected inflation rate so you can compare future dollars with today's purchasing power.

This tool is educational and is not investment, tax, or financial advice. Returns are uncertain, and real plans should account for fees, taxes, asset allocation, sequence risk, and personal circumstances.

Reference links

Last reviewed: April 30, 2026 by Utilvibe. Calculations run locally in your browser.