Retirement calculator

See whether you are on track: project your balance at retirement from current savings, monthly contributions, employer match, and expected returns — then convert it into monthly income.

How to Retirement calculator

1. Step 1. Enter your current age and target retirement age.
2. Step 2. Add current savings and your monthly contribution.
3. Step 3. Include any employer match percentage and expected annual return.
4. Step 4. Review the projected nest egg, growth, and safe monthly withdrawal income.

Frequently asked questions

What is the 4% rule?

A guideline stating you can withdraw 4% of your nest egg in the first year of retirement (adjusted for inflation thereafter) with low risk of running out over a 30-year retirement.

Does employer match matter?

Enormously — a 50% match on your contributions is an immediate 50% return on that money before any market growth. The calculator compounds matched dollars alongside yours.

What return should I assume?

Long-run US stock averages are about 10% nominal (7% after inflation). A balanced portfolio is typically modeled at 5–7%.