Calculator tool
This calculator projects your retirement balance by compounding your current savings and monthly contributions at the expected annual return rate. The monthly withdrawal estimate applies the 4% safe withdrawal rule, dividing 4% of your projected balance by 12.
Review the inputs carefully and treat the output as an estimate. For decisions involving money, taxes, health, law, or security, compare the result with trusted professional guidance when needed.
What is the 4% rule?
The 4% rule suggests you can withdraw 4% of your retirement portfolio in the first year and adjust for inflation each year without running out of money over a 30-year retirement.
How accurate is the projected balance?
The projection assumes a constant annual return, which is a simplification. Actual returns will vary year to year based on market conditions.
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