Retirement Calculator
Project your retirement savings and see if you're on track for your goals.
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$
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Retirement Balance
$805,000
in 30 years
Retirement Savings Milestones
| Age | Target (× salary) | Example ($60k salary) |
|---|---|---|
| 30 | 1× | $60,000 |
| 40 | 3× | $180,000 |
| 50 | 6× | $360,000 |
| 60 | 8× | $480,000 |
| 67 | 10× | $600,000 |
Disclaimer: Projections are hypothetical. Investment returns vary. Not financial advice.
Frequently Asked Questions
How much should I save for retirement?
A common guideline is to save 10–15% of your income starting in your 20s. By age 30, aim for 1× your salary saved; by 40, 3×; by 50, 6×; by 60, 8×. This calculator helps project your trajectory.
What return rate should I use?
Historically, a diversified stock portfolio averages 7–10% annual returns before inflation. Using 6–7% is a conservative, inflation-adjusted estimate for planning.
What is the 4% rule?
The 4% rule suggests you can withdraw 4% of your retirement savings annually with low risk of running out. So to replace $40,000/year of income, you'd need about $1,000,000 saved.
Should I include Social Security?
This calculator shows your personal savings projection only. Social Security adds on top, typically $1,500–$3,000/month depending on your earnings history.