🎯 Retirement Calculator
Plan your retirement with confidence. See if you're on track to meet your retirement income goals using the 4% rule.
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Your Details
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Your Retirement Projection
Projected Savings at 65$2,376,362
Years to Retirement35 years
Total Contributed$470,000
Sustainable Annual Income (4% Rule)$95,054
✅You're on track! Your projected income exceeds your goal by $35,054.488/year.
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How to Plan for Retirement
Our retirement calculator uses the 4% rule to estimate sustainable income from your savings. This widely-used guideline suggests withdrawing 4% of your portfolio annually to make your savings last 30+ years in retirement.
The 4% Rule Explained
The 4% rule comes from the Trinity Study, which found that a 4% initial withdrawal rate, adjusted for inflation, has historically allowed portfolios to last at least 30 years. For example, with $1,000,000 saved, you could withdraw $40,000 per year.
Retirement Savings Milestones
- By 30: Have 1x your annual salary saved
- By 40: Have 3x your annual salary saved
- By 50: Have 6x your annual salary saved
- By 60: Have 8x your annual salary saved
- By 67: Have 10x your annual salary saved
Tips to Boost Your Retirement Savings
- Maximize 401(k) Match: Free money from your employer
- Open a Roth IRA: Tax-free growth and withdrawals
- Automate Contributions: Pay yourself first
- Increase Annually: Raise contributions with salary increases