What return rate should I use?

A diversified stock/bond portfolio has historically returned 6–8% annually after inflation. Use 5–7% for a conservative projection.

The 4% rule states you can withdraw 4% of your retirement savings per year and it should last 30 years. Based on historical market returns, this has been a reliable benchmark.

When should I start saving for retirement?

Start as early as possible. A 25-year-old saving $500/month at 7% retires with ~$1.3M. Starting at 35 with the same contributions yields only ~$610K.

Retirement Calculator — How Much Do You Need?

The Retirement Calculator estimates how much money you will have when you retire based on your current savings, monthly contributions, expected return, and the years until retirement. Planning early is the most powerful thing you can do for retirement — the power of compound interest over decades is remarkable.

Current Retirement Savings($)

Monthly Contribution($)

Expected Annual Return(%)

Years Until Retirement(years)

Frequently Asked Questions

A common rule of thumb is 25x your annual expenses (the '4% rule'). If you need $50,000/year in retirement, you need $1.25 million saved.

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