Retirement savings calculator
See what your savings could grow to by the time you stop working. Every assumption is yours to set, and the arithmetic is shown underneath.
Savings at age 67
$651,726
- Money you put in
- $394,000
- Growth at the return you assumed
- $257,726
- Withdrawing 4% a year gives
- $26,069 a year
- That is, each month
- $2,172
In today's dollars only if the return you entered is already after inflation. Returns are not guaranteed and real results vary from year to year.
Year by year
| Age | Balance |
|---|---|
| 55 | $250,000 |
| 57 | $301,421 |
| 59 | $358,239 |
| 61 | $421,019 |
| 63 | $490,387 |
| 65 | $567,035 |
| 67 | $651,726 |
How it is calculated
The yearly return is divided by 12 and applied each month. Your starting balance grows for the whole period, and each monthly amount is added at the end of its month and grows from then on. With a return of zero, the result is simply what you put in.
The withdrawal line multiplies the final balance by the share you chose. It does not predict how long the money lasts, and it does not include Social Security or a pension. Taxes and account fees are not subtracted.
Limits on what you can add
How much you can put into a 401(k) or an IRA each year is capped by the IRS. See the contribution limits for 2026 and 2027.