Retirement Savings Calculator
See how much you'll have at retirement based on your savings, contributions, and investment returns.
At Age 65 · 35 years
Projected Savings
$1,475,835
Total Contributed
$260,000
Investment Growth
$1,215,835
Monthly at 4% SWR
$4,919
Years Invested
35
How to Plan for Retirement
This calculator uses the future value formula to project your savings. Both your existing balance and monthly contributions grow at the expected annual return rate, compounded monthly. The result shows what your portfolio could be worth when you reach your target retirement age.
A common benchmark is the 4% safe withdrawal rate (SWR) — the percentage you can withdraw annually without running out of money over a 30-year retirement. We calculate the implied monthly income at 4% SWR so you can see if your projected savings meets your income needs.
Historical average annual returns for a diversified stock portfolio are around 7–10% before inflation. Using 6–7% as your expected return provides a conservative estimate that accounts for inflation and market variability.