Retirement Calculator
Project your savings balance at retirement age.
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Frequently asked questions
It applies monthly compounding to your current savings and treats your monthly contributions as a future value annuity at the same monthly rate. The annual return you enter is divided by twelve to get the monthly rate.
The 4% rule is a rough heuristic that suggests withdrawing 4% of your portfolio in the first year of retirement. The calculator shows the equivalent monthly figure as a starting reference, not as financial advice.
No. Long-run averages from historical markets are commonly cited (often 6 to 8 percent for stock-heavy portfolios), but actual returns vary year to year and can be negative. Treat the projection as a planning estimate.
Last updated 2026-06-03.