Retirement Calculator
Project your retirement savings, inflation-adjusted value, and monthly income using the 4% rule.
Projected Savings at 65
$1,188,181
in today's dollars: $422,260
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Frequently Asked Questions
What is the 4% withdrawal rule for retirement?
The 4% rule suggests you can safely withdraw 4% of your retirement portfolio in year one, then adjust for inflation each year. This strategy is designed to make your savings last 30+ years.
How much should I save for retirement?
A common guideline is to save 10–15% of your gross income for retirement. The actual amount depends on your desired lifestyle, expected retirement age, and investment returns.
What is a realistic expected return rate for retirement investing?
Historically, a diversified stock portfolio has returned roughly 7–10% annually before inflation. A balanced portfolio of stocks and bonds typically returns 5–7%. Financial planners often use 6–7% as a conservative estimate.