Retirement Calculator
See what your savings could grow to by retirement and how much monthly income that pot could pay out.
| Savings at retirement | $774,431.05 |
|---|---|
| Monthly income it supports for 25 years | $4,057.22 |
| That income in today's dollars | $1,934.25 |
| Savings at retirement in today's dollars | $369,204.34 |
| Total you put in | $230,000.00 |
How to use it
- Enter your age, the age you plan to retire, and what you have saved for retirement so far.
- Enter what you save each month, including any employer match.
- Pick a return for the saving years and a lower one for retirement, when portfolios are usually more conservative.
- Enter how many years the money has to last.
Formula
- Saving years: balance grows monthly at i = (1 + return)^(1/12) − 1, plus your monthly saving
- Monthly income W = B × j ÷ (1 − (1 + j)^−n), with j the monthly retirement return and n the months in retirement
Today's dollars = amount ÷ (1 + inflation)^(years until retirement)
Example
A 35-year-old with $50,000 saved who adds $500 a month at 6% reaches about $774,431.05 at 65. Paid out over 25 years at 4%, that supports about $4,057.22 a month, which is about $1,934.25 a month in today's money at 2.5% inflation. Total contributions were $230,000.
Questions
Does this include Social Security or a pension?
No. Add those on top of the monthly income shown. Your Social Security estimate is on your my Social Security account at ssa.gov.
Does the income rise with inflation?
No. The income shown is a level monthly amount that uses up the savings over the years you chose. Its buying power falls over time.
What about taxes?
Withdrawals from traditional 401(k)s and IRAs are usually taxed as income; Roth withdrawals usually aren't. This estimate is before tax.
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Last reviewed 2026-10-11. Found a mistake? Tell us.