Money
Retirement Savings Calculator
Project future retirement savings from current balance and contributions.
Retirement Savings Calculator result
Accumulation and retirement drawdown
| Milestone | Contribution or annual withdrawal | Balance | Phase |
|---|---|---|---|
| Age 45 | $81,224.24 | $100,877.05 | Accumulating |
| Age 50 | $115,698.33 | $170,984.38 | Accumulating |
| Age 55 | $153,760.50 | $266,575.10 | Accumulating |
| Age 60 | $195,784.22 | $395,850.31 | Accumulating |
| Age 65 | $242,181.80 | $569,557.64 | Accumulating |
| Age 67 | $262,065.94 | $654,501.10 | Accumulating |
| Age 72 | $79,172.17 | $371,322.87 | Drawdown |
| Age 76.83333333333333 | $89,208.15 | $0.00 | Depleted |
Contributions grow annually. Returns before and after retirement are separate and fees reduce both. Retirement withdrawals rise with inflation and continue through the longevity age. Taxes, contribution limits, benefit changes and sequence-of-returns variation are not modeled.
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How this tool works
The model projects current savings and monthly contributions, adjusts the desired retirement income for inflation, subtracts other income, and estimates a target from the selected withdrawal rate.
Limits to know
The projection depends on return, inflation, contributions, retirement age, longevity, withdrawal rate, and other income. It is a planning scenario, not personalized investment advice or a guarantee.