Retirement Savings Calculator
Project your retirement account balance with compound growth and employer 401(k) matching, then estimate your annual retirement income using the 4% withdrawal rule, right in your browser. Adjusts for inflation to show results in today's dollars too. Nothing is sent to a server.
Employer match included
Enter your contribution rate and your employer's match percentage and cap to see your true total monthly contribution, not just your own.
Compound growth projection
Your balance is projected forward month by month at your expected annual return, all the way to your chosen retirement age.
Inflation-adjusted results
See your projected balance and retirement income both in future dollars and in today's purchasing power, using your expected inflation rate.
The 4% rule
Estimates a sustainable annual retirement income by applying the widely-used 4% withdrawal rule to your projected balance.
Common Mistakes to Avoid
Not contributing enough to get the full employer match
Solution:
If your employer matches up to a certain percentage, contributing less than that cap means leaving free money on the table — check the match cap field.
Ignoring inflation when planning
Solution:
A dollar in 30 years won't buy what it does today — always check the inflation-adjusted (today's dollars) figures, not just the raw future balance.
Frequently Asked Questions
A widely-used retirement planning guideline suggesting you can withdraw about 4% of your retirement savings annually with a low risk of running out of money over a typical retirement.
No — it assumes a constant salary and contribution rate for simplicity. Real income growth would generally improve these projections.
Employer match included
Enter your contribution rate and your employer's match percentage and cap to see your true total monthly contribution, not just your own.
Compound growth projection
Your balance is projected forward month by month at your expected annual return, all the way to your chosen retirement age.
Inflation-adjusted results
See your projected balance and retirement income both in future dollars and in today's purchasing power, using your expected inflation rate.
The 4% rule
Estimates a sustainable annual retirement income by applying the widely-used 4% withdrawal rule to your projected balance.