Future Value (nominal)
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Future Value (inflation-adjusted)
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Monthly Income (4% rule)
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When Should You Use This?
Use this calculator to plan your retirement savings and understand how compound growth, contributions, and inflation interact over decades. Start early — the power of compounding rewards time more than anything else.
How It Works
1
Enter Your Details
Input your current age, target retirement age, current savings, and how much you can contribute monthly.
2
Set Assumptions
Use 7% for a stock-heavy portfolio, 5% for balanced, 3% for conservative. Set inflation at 2-3%.
3
Plan Your Income
The 4% rule: withdraw 4% of your savings per year in retirement for a high probability of not running out of money over 30 years.
Frequently Asked Questions
The 4% rule (from the Trinity Study) says you can withdraw 4% of your retirement portfolio each year and have a high probability of your money lasting 30+ years. It assumes a balanced stock/bond portfolio.
The S&P 500 has historically returned about 10% nominal (7% after inflation). A balanced portfolio returns about 7% nominal. Be conservative in your estimates.
A common rule: you need 25x your annual expenses (the inverse of the 4% rule). If you spend $50,000/year, you need $1.25 million.
Yes. If your employer matches 50% of your contribution up to 6% of salary, include that in your monthly contribution. Free money compounds too.
Social Security provides a base income but may not be enough. Plan as if it's supplementary, not your primary retirement income.