🌅 Retirement Calculator
Find out if you are on track for retirement. See your projected retirement savings, monthly income in retirement, and how long your money will last.
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Retirement Planning Tips
• Start early — thanks to compound interest, starting at 25 vs 35 can double your retirement savings.
• Maximize tax-advantaged accounts — contribute the maximum to your 401(k), IRA, or equivalent first.
• Follow the 4% rule — you can withdraw 4% of your savings annually without running out of money.
• Diversify investments — spread across stocks, bonds, and real estate to reduce risk over time.
• Account for inflation — $3,000/month today will need to be much more in 20–30 years.
The 4% Rule Explained
The 4% rule states that you can safely withdraw 4% of your retirement savings annually without depleting your funds over a 30-year retirement. So if you need $3,000/month ($36,000/year), you need $36,000 ÷ 4% = $900,000 saved at retirement.