Retirement Calculator
Plan your retirement savings and see if you're on track.
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Contributions
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Your Contributions
Employer Match
Investment Growth
Monthly Income (4% rule)
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What is the 4% rule?
A guideline suggesting you can withdraw 4% of your retirement savings annually without running out. $1M savings = $40,000/year.
How much should I save for retirement?
Aim for 15% of gross income including employer match. By 30, have 1x salary saved. By 40, 3x. By 50, 6x. By 60, 8x. By 67, 10x.
What is employer match?
Free money your employer contributes to your 401k. A 50% match up to 6% means if you contribute 6% of salary, they add 3%.
Should I use a 401k or IRA?
Maximize 401k match first (free money), then contribute to a Roth IRA, then add more to 401k. Each has different tax advantages.
What rate of return should I expect?
Historically: stocks ~10%, bonds ~5%, blended ~7% before inflation. Use 6-7% for conservative planning.