Retirement calculator
See what your savings will actually support each year, whether it lasts as long as you need, and what you would have to save to close any gap. Everything in today's dollars.
Saving $24,000 a year from age 40 on $250,000 already invested reaches about $2,108,128 by 65 in today's dollars, supporting roughly $143,624 a year including Social Security.
How long the money needs to last
Match or profit sharing, each year
Per year, in today's dollars
Per year, in today's dollars
Usually lower, as the mix gets safer
The spending your plan supports each year, against a $100,000 target. Everything is in today's dollars.
After 25 years at 4.4% real
Lasts through age 90
Your current pace already works
Today's dollars, every fifth year
| Age | Balance | Saving or drawing |
|---|---|---|
| 40 | $250,000 | - |
| 45 | $478,639 | $30,000 |
| 50 | $763,288 | $30,000 |
| 55 | $1,117,667 | $30,000 |
| 60 | $1,558,858 | $30,000 |
| 65 (retire) | $2,108,128 | $30,000 |
| 70 | $2,010,573 | -$70,000 |
| 75 | $1,900,526 | -$70,000 |
| 80 | $1,776,387 | -$70,000 |
| 85 | $1,636,354 | -$70,000 |
| 90 | $1,478,389 | -$70,000 |
Estimates only, not financial advice. A straight-line projection in today's dollars, using a real return derived from your nominal return and inflation. It excludes tax on withdrawals, required minimum distributions, and the effect of return sequence, which matters more in early retirement than any average does.
What different savings rates support
| You save | Balance at 65 | Income it supports | Against a $100k target |
|---|---|---|---|
| $12,000/yr | $1,563,962 | $114,295 | Funded |
| $24,000/yr | $2,108,128 | $143,624 | Funded |
| $36,000/yr | $2,652,294 | $172,954 | Funded |
| $48,000/yr | $3,196,460 | $202,283 | Funded |
Assumes age 40 today with $250,000 saved, a $6,000 employer match, 7% nominal return before retirement and 5% after, 2.5% inflation, retiring at 65, planning through 90, and $30,000 of Social Security. All figures in today's dollars.
Two numbers decide everything
The first is what you will spend. The second is how long it has to last. Together they set the size of the pot, and almost every other input just changes how quickly you get there.
The projection runs in today's dollars on a real return, which is the detail worth understanding. A 7% nominal return against 2.5% inflation is not 4.5%, it is 4.39%, because the adjustment divides rather than subtracts. Over 25 years that difference is real money, and getting it backwards by applying a nominal return to a target expressed in today's dollars inflates the answer badly.
Social Security is entered separately because it is income the portfolio does not have to produce, so it lowers the draw instead of raising the balance. Once the draw is set, the sustainable withdrawal is an annuity payment: the level amount that leaves the balance at exactly zero at the end of the plan. To see how a contribution compounds on its own, try the compound interest calculator , check your Roth room with the Roth IRA calculator , or book a free consultation .