Retirement Calculator

Project savings growth and compare it with an inflation-adjusted retirement income target.

Projected retirement balance

$2,178,137

75.5% of modeled target.

Required nest egg

$2,884,155

Years to retirement30

Projected contributions$550,000

Projected growth$1,628,137

Future annual income need$167,805

Future portfolio income need$115,366

Surplus / shortfall-$706,018

Constant returns, inflation, contributions, benefits, and withdrawal rate are assumptions—not guarantees. Taxes, fees, longevity, sequence risk, contribution timing, and benefit changes are excluded.

How the target works

Desired income and Social Security are inflated to retirement. The remaining portfolio income need is divided by the entered withdrawal rate. The savings projection uses constant annual returns and end-of-year contributions.

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Planning guide

Read the complete guide →

Understand this estimate before using it

Quick answer

What does the Retirement Calculator do?

Project savings against an inflation-adjusted retirement income target. It compounds current savings and contributions, inflates the income target, subtracts other retirement income, and estimates a target portfolio from the entered withdrawal rate.

Formula and calculation method

It compounds current savings and contributions, inflates the income target, subtracts other retirement income, and estimates a target portfolio from the entered withdrawal rate.

The result is only as reliable as the inputs. Use current balances, rates, fees, dates, and documents; then change uncertain assumptions to see whether the conclusion remains stable.

How to interpret the result

Treat the output as a comparison or planning range, not a quote, approval, eligibility decision, tax return, or prediction. Review the breakdown—not only its headline number—and read every stated exclusion.

For current background, review Investor.gov retirement resources. Product documents and official program tools control when they differ from this educational model.

Worked scenario

Put the result in context

At a 4% planning withdrawal rate, each $40,000 of annual portfolio-funded income implies a $1,000,000 target before tax and uncertainty. Changing the rate to 3.5% raises that target to about $1.14 million.

This scenario illustrates the method; it is not a quote, forecast, recommendation, or substitute for entering your actual facts.

Before you calculate

Gather current information before changing the defaults. A result based on verified records is more useful than a precise answer built from guesses.

current age, savings and yearly contribution

Check the date, unit, and source of this input before entering it.

assumed return and inflation

Check the date, unit, and source of this input before entering it.

the income you want and what Social Security covers

Check the date, unit, and source of this input before entering it.

the withdrawal rate you plan to use

Check the date, unit, and source of this input before entering it.

What the result can answer

It can show how the entered assumptions interact, provide a consistent comparison, and reveal whether changing one important input materially changes the estimate.

What the result cannot decide

It cannot confirm approval, eligibility, market pricing, future performance, legal or tax treatment, contract quality, or whether the choice fits every part of your finances.

A practical next-step workflow

01 · Verify
Compare the inputs with current statements, quotes, official rules, and product documents.
02 · Stress-test
Run a second case with a less favorable value for the withdrawal rate you plan to use.
03 · Confirm
Get your actual benefit estimate from your Social Security account, then re-run the projection with a lower return before acting.

Frequently asked questions

Are projected returns guaranteed?

No. The calculations show what entered assumptions produce; markets and investment results are uncertain.

Do the tools provide investment advice?

No. They are educational models and do not recommend securities, allocations, or transactions.

What can make this estimate differ from an actual result?

Timing, rounding, rate changes, fees, taxes, eligibility rules, product conventions, and facts not requested by this focused calculator can all create differences.

Which inputs deserve a second scenario?

Retest any input that is quoted rather than fixed, depends on future behavior, or materially changes the result. Conservative and optimistic cases reveal more than false precision.

What should I verify before making a decision?

Verify current statements, disclosures, official rules, taxes, fees, cancellation or prepayment terms, and the consequences of a less favorable outcome.

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Prepared by Loan Lyze Editorial and reviewed under the Loan Lyze editorial framework on November 8, 2026. Educational estimate only. See our methodology, editorial policy, and corrections policy.

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How the target works