Retirement Savings Calculator
Compare your projected retirement balance with the portfolio your desired spending could require.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Check your retirement path
Your projection
The projection has a gap
Projected balance
$1,385,870
4% first-year income
$55,435
Illustrative target
$1,500,000
Target funded
92.4%
The 4% withdrawal guideline is a planning shortcut, not a promise. Taxes, fees, inflation, Social Security, and changing spending all matter.
About this tool
Method, assumptions, practical next steps, and limits.
Turn retirement into a testable path
A useful projection connects what you save now with what you expect to spend later. This tool shows both sides and makes the gap visible.
Assumptions
Growth compounds monthly. The target uses the 4% guideline as a rough first-year withdrawal estimate. It does not model taxes, inflation, Social Security, pensions, or sequence-of-returns risk.
Pressure-test the result
Try retiring earlier, earning less, or spending more. A plan that works only in the best case needs more margin.
