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Retirement savings calculator

Project retirement savings, an inflation-adjusted spending target, and any additional monthly contribution needed.

  • USD inputs · transparent calculation assumptions
  • Instant updates as inputs change
  • Data is calculated in this browser only
USD inputs · transparent calculation assumptions
Your scenario
Updates as you type
Projected retirement balance$1,475,834.89
Balance in today’s dollars
$524,487.22
Inflation-adjusted savings target
$2,532,476.21
Projected surplus / shortfall
-$1,056,641.32
Extra monthly contribution needed
$586.68
Monthly withdrawal in today’s dollars
$1,748.29
Total contributions
$260,000.00
Projected investment growth
$1,215,834.89
Calculation notes

Understand the Retirement savings calculator

Future savings = current savings × (1 + monthly return)^months + monthly deposits × annuity factor. Target = today’s monthly spending × inflation factor × 12 / annual withdrawal rate. The calculation runs locally and keeps cash-flow timing consistent with the stated assumptions.

Formula and logic

How do I calculate retirement savings and an inflation-adjusted target?

Future savings = current savings × (1 + monthly return)^months + monthly deposits × annuity factor. Target = today’s monthly spending × inflation factor × 12 / annual withdrawal rate.

Worked example

What savings support $3,000 monthly spending at a 4% withdrawal assumption?

A $3,000 monthly spending target in today’s dollars is $36,000 a year. At a 4% withdrawal assumption it implies $900,000 in today’s dollars, before inflating the target to retirement.

How to read the result

Is a 4% withdrawal input a guaranteed safe retirement rate?

  • The projected balance is nominal; today’s-dollar balance allows comparison with current living costs.
  • The withdrawal percentage is a scenario input, not a promised safe rate.
Limits and assumptions

Does this retirement projection include Social Security and market sequence risk?

  • Assumes a constant return, month-end deposits and no tax or fees. Social Security, pensions, changing savings limits and market sequence risk are excluded; funds lasting through retirement are not guaranteed.

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