Estimate whether your current savings path can support the retirement income you want.
Projected portfolio versus the inflation-adjusted retirement target over time.
Track contributions, projected balance and the retirement target in nominal dollars.
| Age | Projected portfolio | Total contributions | Target portfolio | Gap / surplus |
|---|
A retirement calculator connects two questions: how much your current savings may grow before retirement and how large a portfolio may be needed to support your desired spending. This tool projects current savings and monthly contributions using an assumed return, then adjusts your spending goal for inflation.
The target portfolio is estimated from desired annual spending divided by the withdrawal rate. Because future returns and inflation are uncertain, use the result as a planning scenario and compare several assumptions rather than treating one number as guaranteed.
A common planning method divides desired annual retirement spending by a withdrawal rate. For example, a 4% rate implies a target around 25 times annual spending, before considering pensions, taxes or other income.
Retirement may be decades away, so the same lifestyle will likely cost more in nominal dollars. This calculator inflates today’s spending goal to the retirement date and also shows the expected real return.
No. Withdrawal rates are planning assumptions, not guarantees. Market returns, retirement length, fees, taxes, inflation and sequence-of-returns risk can change how long a portfolio lasts.