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Retirement Calculator 2026

Project your retirement savings, estimate your income gap, and plan for a secure financial future.

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Projected Savings at Retirement

$1,062,564.57

Years to Retirement

30

Safe Withdrawal (4%)

$42,502.58/yr

Social Security
$21,600.00/yr
Portfolio Withdrawal (4%)
$42,502.58/yr
Total Retirement Income
$64,102.58/yr
On track: Your projected income meets your retirement goal.

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About the Retirement Calculator

This retirement calculator helps you estimate how much you will have saved by the time you retire and whether your savings will generate enough income to maintain your desired lifestyle. Enter your current financial details to see a personalized projection of your retirement readiness.

How Retirement Savings Grow

Your retirement savings grow through two mechanisms: your regular contributions and compound investment returns. Even modest monthly contributions can grow significantly over decades thanks to compounding. For example, saving $500 per month at a 7% annual return would grow to over $566,000 in 30 years, even though you only contributed $180,000 out of pocket.

The 4% Rule Explained

The 4% rule, developed from the Trinity Study, suggests that retirees can withdraw 4% of their portfolio in the first year of retirement and adjust for inflation each subsequent year with a high probability of not running out of money over a 30-year period. This means you generally need about 25 times your desired annual retirement income saved up. While not a guarantee, it remains one of the most widely used retirement planning benchmarks.

Social Security Benefits

Social Security provides a foundation of retirement income for most Americans. Your benefit amount depends on your 35 highest-earning years and the age at which you begin collecting. You can start as early as age 62 at a reduced benefit, collect full benefits at your full retirement age (66-67 depending on birth year), or delay until age 70 for an increased benefit of up to 132% of your full amount.

Tips for Retirement Planning

Start saving as early as possible to maximize compound growth. Take full advantage of employer 401(k) matching, which is essentially free money. Diversify your investments across stocks, bonds, and other asset classes based on your risk tolerance and time horizon. As you approach retirement, gradually shift toward more conservative investments. Review and adjust your plan at least annually to stay on track toward your retirement goals.

Frequently Asked Questions

The 4% rule is a widely used guideline suggesting you can withdraw 4% of your retirement savings each year without running out of money over a 30-year retirement. For example, with $1,000,000 in savings, you could withdraw $40,000 per year.
Your projected savings are calculated using compound growth. We take your current savings, add your monthly contributions each year, and apply your expected annual return rate. This gives a realistic estimate of your portfolio at retirement.
The retirement gap is the difference between your desired annual retirement income and your projected total retirement income (Social Security + portfolio withdrawals). A positive gap means you need to save more or adjust your expectations.
A common rule of thumb is to save 15% of your pre-tax income for retirement, including any employer match. However, the right amount depends on your age, current savings, desired retirement lifestyle, and expected Social Security benefits.
No. All calculations run entirely in your browser. No data is sent to any server or stored anywhere.

All calculations are for general informational purposes only. Not financial, tax, or legal advice. No guarantee of accuracy. Use at your own risk. Full disclaimer