Retirement Calculator

Your age now

Retirement age

Current retirement savings ($)

Your monthly contribution ($)

Annual salary ($)Used for the employer match and raises

Annual raise (%)Your contribution grows with your pay

Employer match (%)e.g. 50% of what you put in

Match up to (% of salary)

Account type

Inflation (%)For today's-dollars view

Where you invest

S&P 500 index fund~10%about 10% a year, long-run historical averageTotal US stock market fund~10%about 10% a year, long-run historical averageTarget-date fund~7%about 7% a year, typical blended average60/40 stocks and bonds~8%about 8% a year, historical averageBond index fund~4.5%about 4–5% a year, historical averageHigh-yield savings / CDs~4%about 4% a year at today's ratesCustom return%your own estimate

Past averages, not guarantees. Markets can fall for years, and fees reduce returns.

Show in today's dollars (after inflation)

Balance at retirement

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Monthly income at 4% withdrawal: —
You contribute: —
Employer match: —
Investment growth: —
Years of saving: —

Where you invest changes everything

Estimates for education only, not financial, tax or investment advice. Returns are long-run historical averages and are not guaranteed; real markets go up and down. Taxes, fees and the 2026 contribution limits rising in future years are not modeled except where noted.