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Retirement calculator
Not just what you will have saved — whether it actually lasts, and what it takes each month if it does not.
Your plan
Expenses and Social Security both rise with inflation here, and savings keep earning during retirement — a pot that stops growing the day you retire is the most common way these numbers get pessimistic.
In today's money — it is inflated for you.
Per month, in today's money.
You contribute $230,000; growth adds $785,810.
Savings run out at age 85, 5 years short. Contributing $643 a month instead of $500 closes the gap.
Rising while you contribute, then drawing down from age 65. The peak is the day you retire.
This is a projection on steady assumptions — real returns arrive unevenly, and a bad first decade in retirement hurts far more than the same losses later. Model the accumulation side.