Retirement Calculator
Project what your current saving produces by retirement — and compare it to the 25× spending rule of thumb.
—Projected at retirement
—Target (25× spending)
—On track?
Assumptions, honestly: the target uses the "25× rule" (4% withdrawal rate) — a planning rule of thumb, not a guarantee. Use a 5–6% return to think in inflation-adjusted (today's) dollars; nominal market averages run higher but buy less. Compounds monthly, ignores taxes and fees. Educational tool — for personal planning, talk to a qualified professional.
The two numbers that matter
Your projection (what current behavior produces) and your target (25× the annual spending you want). If there's a gap, the calculator shows the monthly contribution that closes it — and thanks to compounding, every year you start earlier makes that number dramatically smaller.
New to investing? Start with how to start investing with $100.