Retirement
Retirement Calculator
Will your savings be enough? Project your nest egg from today to retirement age using your current balance, monthly contributions, and an expected return — then see the monthly income it could sustain under the classic 4% withdrawal rule, and how much of the final balance is growth.
Include employer match — it's part of what lands in the account.
Long-run diversified portfolios have averaged 6–8% nominal; lower it to stress-test.
Projected savings at 67
$1,559,831
- Sustainable monthly income (4% rule)
- $5,199
- Total you'll contribute
- $328,800
- Investment growth
- $1,231,031
- Years until retirement
- 32
A planning heuristic, not a guarantee.
Balance by age
| Age | Balance | Contributed | Growth |
|---|---|---|---|
| 40 | $135,173 | $102,000 | $33,173 |
| 45 | $241,739 | $144,000 | $97,739 |
| 50 | $392,810 | $186,000 | $206,810 |
| 55 | $606,973 | $228,000 | $378,973 |
| 60 | $910,575 | $270,000 | $640,575 |
| 65 | $1,340,969 | $312,000 | $1,028,969 |
| 67 | $1,559,831 | $328,800 | $1,231,031 |
How this calculator works
The projection compounds monthly at your expected return with contributions deposited at month-end, in exact cents. Sustainable income applies a 4% annual withdrawal rate to the projected balance, divided monthly.
The model deliberately excludes inflation adjustment, taxes (which depend on account types — 401(k), Roth, taxable), and sequence-of-returns risk. It's an educational projection: real portfolios fluctuate, and a financial planner can stress-test your specific situation.
Try an example
Frequently asked questions
How much do I need to retire?
A common target is 25× your desired annual spending from savings (the inverse of the 4% rule): wanting $40,000 a year from your portfolio implies roughly a $1 million nest egg, on top of Social Security. Fidelity's rule of thumb is about 10× your final salary by age 67.
What is the 4% rule?
A planning guideline from the Trinity study: withdrawing 4% of your starting balance in year one, then adjusting for inflation, has historically survived 30-year retirements in most market scenarios. It's a useful estimate of sustainable income — not a guarantee, and many planners now model 3.5–4% ranges.
What return should I assume?
US stocks have returned about 10% annually before inflation over the last century, but a diversified retirement portfolio with bonds lands lower — 6–8% nominal is a common planning band. Run the calculator at 5% too: if the plan works at 5%, it's robust.
Does this account for inflation?
Results are nominal — future dollars. To think in today's purchasing power, subtract expected inflation from your return (use a 4–5% 'real' return instead of 7%) and read the results as today's dollars. Our Inflation Calculator shows exactly how purchasing power erodes.
Should I count Social Security?
Yes, as a separate layer. The average retired-worker benefit replaces roughly 30–40% of pre-retirement income for middle earners. This calculator projects your savings only — add your estimated benefit (see your SSA statement at ssa.gov) on top of the 4%-rule income.
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Disclaimer: DayCents provides this calculator for educational purposes only. Results are estimates based on your inputs and the stated assumptions — they are not financial advice, a quote, or an offer of credit. Consult a qualified financial professional before making major money decisions.