How much will you have at retirement?
Compound growth + the 4% rule
Medical Disclaimer: This tool provides general educational estimates. Always consult your prescribing physician or healthcare provider before making medication changes or interpreting results from population-based models.
Frequently Asked Questions
A common rule is 25x your annual expenses. If you spend $50,000/year, target $1.25 million. The 4% withdrawal rule suggests this will last 30+ years.
Withdraw 4% of your portfolio annually in retirement. Based on the 1994 Trinity Study, this has a 95% success rate over 30 years.
7% is the historical S&P 500 average after inflation. This calculator uses 7% nominal. Conservative estimates use 5-6%.
Methodology
This calculator uses compound interest: Future Value = Current Savings × (1+r)n + Monthly × 12 × ((1+r)n - 1)/r, where r=7% and n=years to retirement. The 4% withdrawal rule (Trinity Study) suggests withdrawing 4% annually for a 30-year retirement.
Retirement savings projections use compound interest: Future Value = Current Savings x (1+r)^n + Monthly x 12 x ((1+r)^n - 1)/r, where r=7% and n=years to retirement. The 4% withdrawal rule (Trinity Study) suggests withdrawing 4% annually for a 30-year retirement. Adjust for 3% inflation to understand real purchasing power.
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