Tool/
Retirement Savings Calculator
Estimate how your retirement savings could grow, and get a rough starting estimate for a sustainable annual withdrawal once you get there.
Projected savings at 65
$835,483
Est. sustainable withdrawal / year
$33,419
That's per month
$2,785
The withdrawal estimate uses the "4% rule," a common starting framework based on historical U.S. market data — not a guarantee. This calculator is for illustrative purposes only and assumes a constant annual return, which real investments don't provide. Read our guide on retirement savings for more context, and see our disclaimer.
How this calculator works
This tool projects your retirement savings by applying your estimated annual return monthly and adding your monthly contribution, starting from your current savings balance. It then estimates a sustainable first-year withdrawal using the "4% rule" — a commonly referenced (but not guaranteed) starting framework based on historical U.S. market data.
For more context on how this framework works and its limitations, read our guide on how much you actually need to retire.