Calculatree

Retirement Calculator

See what your savings could grow to by retirement and what that buys in yearly income.

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How it works

This projects your balance forward by growing today’s savings plus ongoing monthly contributions at an assumed return. The 4% rule then estimates a sustainable first-year withdrawal, a common benchmark for translating a balance into retirement income.

Frequently asked questions

What is the 4% rule?

A rule of thumb suggesting you can withdraw about 4% of your portfolio in the first year of retirement, then adjust for inflation, with a low chance of running out over 30 years. It is a guideline, not a guarantee.

Does this account for inflation?

No — the figures are in today’s nominal dollars. To think in real terms, use a return assumption a few points lower than the market’s historical nominal return.

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