Retirement Calculator
See how much you could have saved by retirement and what yearly income it might support.
Example retirement savings
How this calculator works
We grow your current savings and monthly contributions at the return you enter, compounding monthly until retirement. The income figure uses the common 4 percent rule: withdrawing 4 percent of the balance in the first year. Results are in future dollars, so inflation will reduce what that money buys. Social Security is not included.
FAQ
What is the 4 percent rule?
It is a guideline that you can withdraw about 4 percent of your savings in the first year of retirement and adjust for inflation.
Is 7 percent realistic?
It is a long-term stock market style average before inflation. Returns vary and are not guaranteed.
Are 401(k) matches included?
Add your employer match to your monthly contribution.
Rates and limits last updated: October 2026. This is an estimate for general information only, not financial, tax or legal advice.