RI
RetailInvestor

Retirement Savings Calculator

Find out if you're on track for retirement and how much you need to save.

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You May Have a Gap

You may need to save more or adjust your retirement plans. Gap: $1,112,284

At Retirement

$3,108,510

Target Needed (4% Rule)

$4,220,794

Monthly Retirement Income

$10,362

Years of Spending Covered

18+

Savings Growth Over Time

31
$66,600
32
$84,578
33
$104,047
34
$125,133
35
$147,969
36
$172,700
37
$199,484
38
$228,491
39
$259,906
40
$293,928
41
$330,774
42
$370,678
43
$413,894
44
$460,697
45
$511,384
46
$566,279
47
$625,730
48
$690,115
49
$759,844
50
$835,361
51
$917,145
52
$1,005,718
53
$1,101,641
54
$1,205,527
55
$1,318,035
56
$1,439,881
57
$1,571,841
58
$1,714,753
59
$1,869,526
60
$2,037,146
61
$2,218,678
62
$2,415,277
63
$2,628,194
64
$2,858,783
65
$3,108,510

How to Use This Retirement Calculator

Enter your current age, target retirement age, existing savings, and monthly contribution. The calculator projects your retirement savings using compound growth and compares it against the amount needed based on the 4% rule.

The 4% Rule Explained

The 4% rule, based on the Trinity Study, suggests withdrawing 4% of your portfolio in year one of retirement, then adjusting for inflation each subsequent year. Historically, this approach has a 95%+ success rate over 30-year periods.

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