Your Current Situation
Enter your current age and savings
Retirement Goals
Set your retirement age and expected expenses
How much you'll spend per month
Advanced Settings
Adjust inflation rate assumptions
Retirement Projection
Visualize your savings growth over time
Yellow line indicates retirement age. Projection shows savings growth and withdrawal phase.
Retirement Summary
Key metrics at a glance
35
Years to Retire
25
Years in Retirement
$12,000
Annual Savings
4.1%
Withdrawal Rate
Recommendations
Personalized tips to reach your goals
Maximize Tax-Advantaged Accounts
Contribute to 401(k) up to employer match, then max out IRA ($7,000/year in 2024, $8,000 if 50+).
Review Asset Allocation
At age 30, consider 70% stocks and 30% bonds (age in bonds rule).
Retirement Projection
Projected Nest Egg
$1,181,279
at age 65
Monthly Income
$5,438
in retirement
✓ You are on track for retirement!
What if you saved more each month?
Projected Nest Egg
$1,181,279
Personalized Insights
3 insights based on your inputs
On Track for Retirement
Your projected nest egg exceeds your target by $431,279.
Time is on Your Side
With 35 years to go, consistent investing will compound significantly.
High Withdrawal Rate
Your 4.1% rate exceeds the 4% rule. Consider lower expenses or higher savings.
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Frequently Asked Questions
How much do I need to retire?
A common rule is the 4% rule: multiply your annual retirement expenses by 25 to get your target nest egg. For $50,000/year expenses, you need $1.25 million. This assumes a 4% safe withdrawal rate that historically sustained portfolios for 30+ years.
What is the 4% rule?
The 4% rule suggests withdrawing 4% of your portfolio in the first year of retirement, then adjusting for inflation each year. Based on historical data, this gives a high probability your money lasts 30+ years. Some suggest 3.5% for more safety.
When should I start saving for retirement?
Start as early as possible! Thanks to compound interest, $500/month from age 25 to 65 at 7% return yields $1.2 million. Starting at 35 yields only $567K. Every decade you wait roughly halves your final amount.
How much should I save each month?
Aim for 15-20% of gross income for retirement. If your employer matches 401(k) contributions, that counts toward your goal. If starting late, you may need 25-30%. Use catch-up contributions after age 50.
What return rate should I assume?
Historical stock market returns average 10% before inflation, 7% after. A balanced portfolio (60% stocks, 40% bonds) might expect 6-7%. Be conservative in projections - using 6-7% accounts for fees and realistic returns.
How this works
Target corpus is back-solved from your desired annual spend and safe withdrawal rate. Default is 4% (Bengen's rule) with an option to use the updated Trinity-study-style glide or a 3.25% conservative rate.
What this tool can’t do
When to consult a professional
This is a software engineering tool, not financial advice. Run the math here, then take the result to a certified financial planner, CPA, or your bank before making a decision that materially affects your money.
Sources
- [1]Consumer Financial Protection Bureau (CFPB)Official sourceconsumerfinance.govAccessed Apr 21, 2026
US consumer finance regulator; authoritative on mortgage disclosures, APR rules, credit cards.
Full-stack software engineer specializing in embedded systems, web architecture, and AI/ML. Founder of Practical Web Tools. Built the gesture-controlled drone IP acquired by KD Interactive (Aura Drone, sold on Amazon).