Retirement calculator
Your target income restated in the money of the year you retire — because quoting it in today's prices understates what you need.
Where you are now
Everything earmarked for retirement.
Including any employer match.
Assumptions
The withdrawal rate moves the answer more than anything else here. Change it and watch.
Nominal, before inflation.
Used to restate your target income.
In today's money. We inflate it for you.
The share of the portfolio you draw each year.
Balance to retirement
Where growth overtakes contributions is the point compounding starts doing the work.
Projection to age 65
Balance at retirement
$3.08M
over 31 years
Short of the target
This projection assumes a constant return every year. Real markets deliver the same average through a very different sequence, and poor returns early in retirement do more damage than the average suggests. Treat the output as a target, not a forecast.