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Planning tools

Retirement calculator

Will your savings support the income you want?

Retirement calculator Compound growth RMD calculator 401(k) match maximiser College savings Risk questionnaire

Your situation

A 60/40 portfolio has historically returned around 7% a year before inflation. Yours may differ.

Retirement spending

$
$

Results update live as you move the sliders.

Projected balance at age 65

$1,341,219
You will have contributed$333,000
Investment growth$1,008,219
Monthly income at a 4% withdrawal rate$4,471
Years of saving ahead30

Are you on track?

On track

To replace $70,000 a year with $30,000 coming from Social Security or a pension, your portfolio needs to produce $40,000 a year. At a 4% withdrawal rate that implies a target of $1,000,000.

134% of target funded

You are projected to exceed your target by $341,219. You could retire earlier, spend more, or take less risk.

At this balance, withdrawing $40,000 a year (rising 2.5% for inflation) with a 4.5% return in retirement lasts about 54 years.

Balance by year

Year-by-year projection

First 30 years shown
YearAgeContributedGrowthBalance
1 36 $54,600 $3,567 $58,167
2 37 $64,200 $8,086 $72,286
3 38 $73,800 $13,626 $87,426
4 39 $83,400 $20,260 $103,660
5 40 $93,000 $28,067 $121,067
6 41 $102,600 $37,134 $139,734
7 42 $112,200 $47,549 $159,749
8 43 $121,800 $59,411 $181,211
9 44 $131,400 $72,825 $204,225
10 45 $141,000 $87,903 $228,903
11 46 $150,600 $104,764 $255,364
12 47 $160,200 $123,538 $283,738
13 48 $169,800 $144,364 $314,164
14 49 $179,400 $167,389 $346,789
15 50 $189,000 $192,772 $381,772
16 51 $198,600 $220,685 $419,285
17 52 $208,200 $251,309 $459,509
18 53 $217,800 $284,841 $502,641
19 54 $227,400 $321,491 $548,891
20 55 $237,000 $361,485 $598,485
21 56 $246,600 $405,063 $651,663
22 57 $256,200 $452,486 $708,686
23 58 $265,800 $504,031 $769,831
24 59 $275,400 $559,996 $835,396
25 60 $285,000 $620,701 $905,701
26 61 $294,600 $686,488 $981,088
27 62 $304,200 $757,725 $1,061,925
28 63 $313,800 $834,806 $1,148,606
29 64 $323,400 $918,153 $1,241,553
30 65 $333,000 $1,008,219 $1,341,219

These calculators are educational illustrations that use simplified assumptions. They ignore taxes, fees and inflation unless stated, assume a constant rate of return that real markets never deliver, and are not a projection of your actual results or a recommendation. Consult a qualified professional about your own situation.