Enter your current savings, monthly contributions, and expected return — and see exactly where you'll land at retirement.
Your projected portfolio value from now through retirement.
Projections assume constant rate of return and do not account for taxes, Social Security, or market volatility. For illustration only — consult a financial advisor for personalized planning.
A common benchmark is 10–15% of gross income, including employer match. Fidelity suggests saving 1x your salary by age 30, 3x by 40, 6x by 50, and 8x by 60. The earlier you start, the less you need to save monthly due to compounding.
The 4% rule suggests withdrawing 4% of your portfolio in year one of retirement, then adjusting for inflation each year. Research shows this historically sustains a portfolio for 30+ years in most market conditions. On a $1M portfolio, that's $40,000/year or ~$3,333/month.
The US stock market (S&P 500) has averaged ~10% annually before inflation, ~7% real (inflation-adjusted). A diversified 60/40 stock/bond portfolio averages roughly 6–7% nominal. Using 6–7% is conservative and realistic for long-term planning.
If you expect to be in a higher tax bracket in retirement, Roth (pay tax now, withdraw tax-free) often wins. If you're in a high bracket now, Traditional (pre-tax) may reduce your current tax bill. Many advisors suggest doing both. 2025 401k limit: $23,500; IRA: $7,000 ($8,000 if 50+).
It's not too late. Catch-up contributions (age 50+) allow extra 401k contributions. Delay retirement by a few years — every year you work means one more year of contributions and one less year of withdrawal. Even at 50, starting to save consistently can build meaningful retirement wealth.
For most people, Social Security replaces only 40% of pre-retirement income. The average 2025 benefit is ~$1,900/month. Combined with personal savings and any pensions, the goal is to replace 70–90% of pre-retirement income. SSA.gov's estimator can give you your personal projected benefit.