Finance tool
Retirement Calculator
Project how today's savings and monthly contributions could support retirement income, with inflation-adjusted values and a transparent annual schedule.
Retirement assumptions
Projected balance
$1,930,678
Today's dollars$920,437
Required nest egg$2,113,869
Surplus / shortfall-$183,191
Sustainable monthly income$9,579
Sustainable income in today's dollars$4,567
| Age | Annual growth | Balance | Today's $ |
|---|---|---|---|
| 36 | $7,380 | $119,380 | $116,469 |
| 37 | $8,737 | $140,117 | $133,366 |
| 38 | $10,189 | $162,306 | $150,717 |
| 40 | $13,404 | $211,451 | $186,892 |
| 45 | $23,630 | $367,767 | $287,299 |
| 50 | $37,973 | $587,008 | $405,309 |
| 55 | $58,089 | $894,505 | $545,890 |
| 60 | $86,304 | $1,325,785 | $715,116 |
| 65 | $125,876 | $1,930,678 | $920,437 |
Retirement projections should show purchasing power
This model compounds monthly contributions until retirement, then estimates a level inflation-adjusted withdrawal over the selected retirement duration. It reports both nominal dollars and today's dollars so a large future balance is not confused with its real spending power.
Returns are assumptions, not guarantees. Test conservative, expected, and optimistic rates, and account for taxes, fees, employer matches, Social Security, and account contribution limits separately.
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