United States · USD. This page uses a shared calculation model and may include US-specific assumptions. Selecting a country changes formatting, not local tax, eligibility or contribution rules. Amounts are not converted between currencies.
Retirement Parameters
Projected savings covers your retirement goal based on 4% withdrawal rate.
Retirement Savings Growth Forecast
- Savings
- Contributions
Choose a chart point to read its values.
View chart data table
Retirement Savings Forecast
| Age | Savings | Contributions | Growth |
|---|---|---|---|
| Age 36 | $66,007 | $62,000 | $4,007 |
| Age 37 | $83,171 | $74,000 | $9,171 |
| Age 38 | $101,576 | $86,000 | $15,576 |
| Age 39 | $121,312 | $98,000 | $23,312 |
| Age 40 | $142,474 | $110,000 | $32,474 |
| Age 41 | $165,166 | $122,000 | $43,166 |
| Age 42 | $189,499 | $134,000 | $55,499 |
| Age 43 | $215,590 | $146,000 | $69,590 |
| Age 44 | $243,568 | $158,000 | $85,568 |
| Age 45 | $273,568 | $170,000 | $103,568 |
| Age 46 | $305,737 | $182,000 | $123,737 |
| Age 47 | $340,231 | $194,000 | $146,231 |
| Age 48 | $377,219 | $206,000 | $171,219 |
| Age 49 | $416,881 | $218,000 | $198,881 |
| Age 50 | $459,410 | $230,000 | $229,410 |
| Age 51 | $505,013 | $242,000 | $263,013 |
| Age 52 | $553,913 | $254,000 | $299,913 |
| Age 53 | $606,348 | $266,000 | $340,348 |
| Age 54 | $662,574 | $278,000 | $384,574 |
| Age 55 | $722,864 | $290,000 | $432,864 |
| Age 56 | $787,512 | $302,000 | $485,512 |
| Age 57 | $856,834 | $314,000 | $542,834 |
| Age 58 | $931,167 | $326,000 | $605,167 |
| Age 59 | $1,010,874 | $338,000 | $672,874 |
| Age 60 | $1,096,343 | $350,000 | $746,343 |
| Age 61 | $1,187,990 | $362,000 | $825,990 |
| Age 62 | $1,286,262 | $374,000 | $912,262 |
| Age 63 | $1,391,639 | $386,000 | $1,005,639 |
| Age 64 | $1,504,633 | $398,000 | $1,106,633 |
| Age 65 | $1,625,796 | $410,000 | $1,215,796 |
About This Calculator
The retirement calculator helps you project whether your current savings rate will provide enough money to retire comfortably. By entering your current age, retirement age, savings, contributions, and expected investment return, you get a realistic picture of your retirement readiness.
Sources & Model Limits
United States · USD. This page uses a shared calculation model and may include US-specific assumptions. Selecting a country changes formatting, not local tax, eligibility or contribution rules. Amounts are not converted between currencies. Read our methods and correction policy.
How It Works
The calculator uses the future value formula to project your nest egg at retirement: FV = PV(1+r)^n + PMT × [(1+r)^n - 1]/r. The estimated monthly income uses the 4% safe withdrawal rate rule, which suggests withdrawing 4% of your portfolio annually with high historical success rates.
Key Benefits
- 1See if you are on track to meet your retirement goals
- 2Understand the impact of saving more each month
- 3Visualize your portfolio growth year by year
- 4Estimate your monthly income in retirement
Practical Tips
- →Maximize contributions to tax-advantaged accounts (401k, IRA, Roth IRA)
- →Target saving at least 15% of your gross income for retirement
- →The 4% rule suggests your savings should be 25x your desired annual retirement income
- →Account for inflation — a dollar today buys less in 30 years
- →Consider working 2-3 extra years — the impact is massive on final savings