Retirement Calculator.
Project your retirement nest egg and see exactly how long your savings will last. Enter your current age, savings, monthly contributions, and expected return.
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The 4% Rule
The 4% rule, developed from the Trinity Study, states that retirees can safely withdraw 4% of their portfolio in year one, then adjust for inflation each year, with a high probability of not outliving their money over a 30-year retirement.
Compound Growth Formula
This calculator uses two streams: the compound growth of your existing savings and the future value of your monthly contributions — the same formula used by certified financial planners.
Planning for Retirement in 2025 Methodology.
The Calculation Branch
Industrial Standards.
The calculator separates your savings into two components: the future value of your current lump sum and the future value of your ongoing monthly contributions. Both grow using monthly compounding, matching how most 401(k) and IRA accounts operate.
In-Depth Analysis & Reference Data
The 'Savings Last Until Age' field tells you at what age your nest egg depletes, given your planned annual withdrawal and the continued investment return on your remaining balance. If it shows 'Forever', your portfolio grows faster than you withdraw — this is the goal. Social Security is not included in this calculation. The average 2025 Social Security benefit is approximately $1,900/month — add this to your annual withdrawal budget when planning your real retirement income.
Registry Questions & FAQ.
Should I use a Roth IRA or Traditional 401k?
A Roth IRA uses after-tax dollars but grows tax-free; a Traditional 401(k) reduces your taxable income now but withdrawals are taxed in retirement. If you expect to be in a higher tax bracket in retirement, Roth is usually better. If lower bracket in retirement, Traditional wins. Many advisors recommend contributing to both.
What is a reasonable annual withdrawal in retirement?
Financial planners typically suggest planning for 70–80% of your pre-retirement income. If you earn $80,000 now, budget $56,000–$64,000 per year in retirement. This accounts for reduced commuting, housing, and work-related expenses, but also increased healthcare costs.
Estimates for planning. Always confirm against an authoritative source.