Retirement Savings Calculator
Project your retirement balance and estimated monthly income.
Retirement Balance
$1,130,650
Monthly Income (4% rule)
$3,769
Total Contributed
$230,000
Investment Growth
+$900,650
The 4% withdrawal rule
The 4% rule is a widely used guideline for retirement spending. It says you can withdraw 4% of your portfolio in the first year of retirement, then adjust for inflation each year after. Historically, this has sustained portfolios for 30+ years.
Retirement planning basics
The three factors that determine your retirement outcome are: how much you save, how long you invest, and your rate of return. Starting early is the most powerful factor because compound growth accelerates over time. An extra 10 years of investing can double or triple your final balance.
Why rate of return matters
At 7% annual return (the historical stock market average after inflation), $500/month over 35 years grows to about $1,000,000. At 5%, it grows to about $580,000. At 10%, it grows to over $1,900,000. Even a small difference in return compounds dramatically over decades.
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