Retirement Calculator

The Power of Compound Growth

Compound growth is the single most powerful force in retirement planning. At 7% annual returns, your money doubles roughly every 10 years. Someone who starts saving $500 per month at age 25 will accumulate over twice as much by age 65 as someone who starts saving $1,000 per month at age 35 — even though the late starter contributes more total dollars.

The 4% Safe Withdrawal Rate

The 4% rule comes from the Trinity Study which found that a portfolio of 50–75% stocks could sustain a 4% initial withdrawal adjusted for inflation for at least 30 years in almost every historical period. Retirees with longer horizons (30+ years) should consider 3–3.5% to be safer. This calculator uses your specified withdrawal rate to estimate monthly income, which may not account for inflation or Social Security.

Frequently Asked Questions