Retirement Calculator
Free retirement calculator — updated for 2025. Accurate, instant, no sign-up needed.
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Retirement Calculator
Plan your savings and see when you can retire
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Projected Savings
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Years to Retire
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Total Contributed
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Savings Needed (4% rule)
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Monthly Income at 4%
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Retirement Planning Basics
The 4% Rule: withdraw 4% of your portfolio per year in retirement. To sustain $5,000/month ($60,000/year), you need $1,500,000 saved.
💡 Maximize your 401(k) employer match first — it's an instant 50–100% return. Then max your Roth IRA ($7,000/year in 2025).
How much do I need to retire?
The 4% rule suggests 25× your annual expenses. For $60,000/year spending, that's $1.5M. Factor in Social Security (avg ~$1,800/month in 2025), inflation, and healthcare.