FREE TOOL
Retirement Estimator
Are you on track? Project where your current savings habits lead, and see what bumping your contribution does to the finish line.
Retirement Estimator
Project where your current habits lead.
%
%
Projected at retirement
$0
about $0 in today’s dollars
Est. annual income (4% rule)
$0
roughly, per year
Educational estimate. Assumes a constant return compounded monthly and steady contributions. Real markets vary. The today’s dollars figure uses the inflation rate you enter.
Assumptions that matter
A retirement projection rests on a few key inputs: how much you contribute, the return you assume, inflation, and how much you will spend in retirement. Many people anchor on withdrawing roughly 4% of a portfolio per year, which implies a target near 25 times your annual spending. Small changes to your savings rate or timeline move the result far more than chasing a slightly higher return.
How to improve your number
- Capture your full employer match, the highest return move available. See the retirement accounts guide.
- Raise your savings rate a little each year, especially with raises.
- Keep costs low with index funds so fees do not eat your growth.
- Give it time. Starting earlier is worth more than almost anything else.
For educational estimates only. The 4% guideline is a rule of thumb, not a guarantee. Not personalized financial advice.