Advanced Retirement Savings Calculator
Project your retirement savings growth with contributions, investment returns, and inflation adjustments
Personal Information
Savings & Investments
Additional Factors
Projected Retirement Savings
$1,250,000
Total Contributions
$210,000
Investment Growth
$1,040,000
Retirement Duration
20 years
Annual Withdrawal
$50,000
Savings Shortfall/Surplus
+$10,000/yr
Retirement Savings Projection
Retirement Income vs. Expenses
Retirement Calculator FAQs
How is the 4% withdrawal rate calculated?
The 4% rule suggests withdrawing 4% of your retirement savings in the first year of retirement, then adjusting for inflation each subsequent year. This calculator shows whether your savings can sustain this withdrawal rate throughout retirement.
Should I include Social Security in my calculations?
Including Social Security provides a more complete picture. The average monthly benefit is about $1,500, but you can get your personalized estimate from the Social Security Administration website.
What’s a realistic annual return assumption?
Historically, a balanced portfolio (60% stocks/40% bonds) averages 6-7% annual return before inflation. Conservative investors might use 4-5%, while aggressive portfolios could assume 7-8%.