Retirement Calculator – Plan Your Savings & Withdrawal Strategy
Project your retirement savings, compare 4% vs 3.5% safe withdrawal rates, and see how long your nest egg will last. Includes accumulation and drawdown phase visualizations for retirement planning.
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Your Retirement Results
Projected Savings at Retirement
$2,192,672
| Strategy | Withdrawal Rate | Annual Income | Years It Lasts |
|---|---|---|---|
| 4% Rule | 4.0% | $87,707 | Indefinite |
| Conservative | 3.5% | $76,744 | Indefinite |
| Your Plan | 2.7% | $60,000 | 50 years |
Solid blue line = accumulation phase. Dashed red line = drawdown phase after retirement. The vertical transition occurs at age 65.
Frequently Asked Questions
How much do I need to retire comfortably?
A common rule of thumb is to have 25× your annual expenses saved by retirement age (based on the 4% rule). For example, if you need $60,000 per year in retirement, you should aim for $1,500,000 in savings. However, your specific number depends on your lifestyle, location, and retirement goals.
What is the difference between the 4% rule and the 3.5% rule?
The 4% rule suggests you can safely withdraw 4% of your portfolio each year (adjusted for inflation) with a high probability of your money lasting 30 years. The 3.5% rule is more conservative and is recommended for early retirees who need their portfolio to last 40-50+ years.
How does inflation affect my retirement savings?
Inflation reduces the purchasing power of your money over time. At 3% average inflation, $60,000 today would have the buying power of about $33,000 in 20 years. Our calculator assumes a constant real (inflation-adjusted) return rate — we recommend using 5-7% for a balanced portfolio after accounting for inflation.
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How to Use the Retirement Calculator
- Enter your current age and planned retirement age — this defines your accumulation window.
- Set your current savings and monthly contribution — include all retirement accounts.
- Choose your expected return rate — 7% is a common long-term assumption for a diversified portfolio.
- Enter your desired retirement income — how much you want to spend per year in retirement.
- Compare withdrawal rates — the chart shows 4% vs 3.5% withdrawal scenarios. A lower rate is safer for early retirees.
The dual-line chart shows your accumulation phase (solid line) until retirement age, then the drawdown phase (dashed line) showing how your nest egg depletes over time.