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%
On Track
Real Value (Today's $)
$0
Years Until Retirement
0
Monthly Income (4%)
$0
Income Gap
$0
Savings Growth Over Time
Retirement Planning Essentials
The 4% Rule
25x Income
Withdraw 4% of savings annually for approximately 30 years of retirement. To generate $4,000/month, you need $1.2 million saved.
Inflation Impact
At 3% inflation, $100 today equals only $55 in 20 years. Always consider inflation-adjusted (real) values when planning for retirement to understand your true purchasing power.
Time is Your Friend
Starting at 25 vs 35 with $500/month at 7% return: you'll have $600K more by age 65. Compound interest rewards early savers dramatically over time.
Frequently Asked Questions
The 4% rule is a retirement withdrawal guideline suggesting you withdraw 4% of your savings in the first year of retirement, then adjust for inflation each subsequent year. This strategy is designed to make your savings last approximately 30 years. For example, with $1 million saved, you would withdraw $40,000 in year one. The rule provides a balance between having enough income and preserving capital.
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.