Retirement Calculator
See how your savings grow over time with monthly contributions and compound interest. Choose from preset return rates like S&P 500 averages.
Frequently Asked Questions
How much do I need to retire?
A common rule of thumb is 25x your annual expenses (the 4% rule). For example, if you spend $50,000/year, you would target a $1.25 million nest egg. Use this calculator to see if your savings are on track.
What return rate should I use?
The S&P 500 has returned roughly 10-12% annually over the past 15-30 years before inflation. A more conservative estimate after inflation is 7-8%. This calculator offers several presets to compare.
Does this account for inflation?
The return rates shown are nominal (before inflation). To see real (inflation-adjusted) projections, subtract 2-3% from the return rate or use the Custom option.