Retirement Planner Calculator
Plan your retirement with confidence. See projected savings, inflation-adjusted income, and whether you're on track to meet your goals.
Your Projection
Total Savings at Retirement
$0
at age 65 (35 years)
Progress to Goal
0%
Modeled Target
Real Value (Today's $)
$0
Years Until Retirement
0
Illustrative Monthly Amount (4%)
$0
Income Gap
$0
Savings Growth Over Time
Retirement Planning Essentials
The 4% Rule
25x Income
A 4% starting-withdrawal rule of thumb implies a portfolio target of 25 times the first year's withdrawals. It is a scenario assumption, not a guarantee of income or portfolio longevity.
Inflation Impact
At a constant 3% annual inflation assumption, $100 received in 20 years has about $55 of today's purchasing power. Actual inflation varies, so test more than one scenario.
Time is Your Friend
More years of contributions and compounding can materially change a projection. Investment returns are uncertain, so compare multiple rates rather than relying on one forecast.
Frequently Asked Questions
The 4% rule is a historical rule of thumb that starts withdrawals at 4% of a portfolio and adjusts later withdrawals for inflation. It does not guarantee that savings will last: retirement length, asset mix, fees, taxes, spending changes, and market returns all matter. This calculator uses it only as an illustrative scenario.
A common guideline is to have 25 times your desired annual retirement income saved. If you want $60,000 per year in retirement, you would need $1.5 million. This aligns with the 4% withdrawal rule. However, the exact amount depends on your lifestyle, healthcare needs, Social Security benefits, pension income, and planned retirement age. Many financial advisors recommend replacing 70-80% of your pre-retirement income.
Inflation erodes purchasing power over time. At 3% annual inflation, $100 today will only buy about $55 worth of goods in 20 years. When planning for retirement, inflation-adjusted (real) values show what your future savings will actually be worth in today's dollars. This gives you a more realistic picture of your retirement purchasing power and helps you plan more accurately.