Retirement Saving Calculator
Enter your age, the age you want to retire, what you've saved and what you add each month. The calculator projects your nest egg and estimates the monthly income it could support using the 4% rule.
- Savings at age 65
- $1,054,515.04
- Total contributed
- $320,000.00
- Investment growth
- $734,515.04
- Monthly income (4% rule)
- $3,515.05
Worked example
Example: age 35, $50,000 saved, $750/month, 6% return, retire at 65
- $50,000 grows for 30 years → ≈ $301,000
- $750/month for 360 months → ≈ $753,000
- Total ≈ $1.05 million
About $1.05 million at 65 — roughly $3,500/month at a 4% withdrawal.
Formula
FV = P(1 + i)ⁿ + C × ((1 + i)ⁿ − 1) ÷ i
P is the current balance, C the monthly contribution, i the monthly return and n the number of months. Results are in future (nominal) dollars.
Frequently asked questions
How much should I have saved for retirement?
A common guideline is 1× salary by 30, 3× by 40, 6× by 50, 8× by 60 and 10× by 67.
What return should I assume?
Many planners use 5–7% for a stock-heavy portfolio before inflation, and lower closer to retirement.
Is this financial advice?
No. Results are estimates for planning and education. Rates, taxes and lender rules vary — confirm with your lender or a licensed financial professional.
Last reviewed October 17, 2026 · Calculations run in your browser; nothing you enter is sent to a server.