How much will you have at retirement?
This calculator grows your current savings plus monthly contributions at your expected rate of return until your chosen retirement age. It then applies a withdrawal rate to estimate the sustainable income your nest egg could provide each year.
Make the most of tax-advantaged accounts
- Employer retirement plans (e.g. 401(k)): contribute at least enough to capture any employer match — it's free money.
- Individual retirement accounts (IRAs): offer tax advantages that boost long-term growth.
- Automate contributions: consistent monthly investing smooths out market ups and downs.
Boost your retirement
Retirement account
Tax-advantaged accounts can significantly increase what you keep over decades.
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A fiduciary advisor can tailor a plan to your full financial picture.
Find an advisor →Frequently asked questions
Is the withdrawal income inflation-adjusted?
If you use a "real" return (after inflation), the resulting income is in today's dollars. The 4% rule assumes you increase withdrawals with inflation each year.
What return should I assume?
A diversified portfolio has historically returned around 7% before inflation. Use a lower figure as you approach retirement and shift toward safer assets.
Does this include Social Security?
No. Any pension or Social Security income would be in addition to what your nest egg provides, reducing how much you need to save.