The goal line is yours
A “number” you type is not a CostAnswer recommendation. Healthcare, housing, and longevity can dominate. Treat a shortfall or surplus as a prompt to change assumptions, not as a pass/fail from a fiduciary.
Your numbers
Retirement projection
A modeled balance at retirement under explicit assumptions. Not a readiness verdict.years
years
$
$
Return and goal
Defaults are planning figures, not a forecast. Change them to match your own plan.
%
$
Projected balance
$1,015,810After 30 years under these assumptionsTotal invested$230,000$50,000 starting + $180,000 future contributions
Modeled growth$785,810
Gap vs goal$15,810At or above the modeled goal
How we got this
- Years until retirement30
- Starting savings$50,000
- Future contributions360 monthly contributions$180,000
- Total principal invested$230,000
- Projected balanceUnder the return assumption you entered$1,015,810
- Modeled goalProjected balance meets or exceeds this goal$1,000,000
What we assumed
- Under these assumptions only. This is not a retirement recommendation or a claim about the future.
- The return is a constant assumed rate, not a market forecast. Taxes, inflation, Social Security, pensions, and health costs are not modeled.
- Monthly contributions are added at the end of each month. The goal is a number you typed, not a calculated spending need.
Technical details
Method retirement-v1.0.0Data Manual inputs / fixed rules
Guide
A retirement balance from savings, contributions, and an assumed return
The page compounds current savings and ongoing contributions to a retirement age you type, then compares that with a goal. It is a planning model. It does not compute Social Security, RMDs, or a safe withdrawal rate.
Questions about this calculator
Does this include Social Security?
No. Add a Social Security estimate yourself if you want it in the goal, or keep this page as portfolio-only.
Is this a 4% rule calculator?
No. There is no withdrawal-rate engine here.
Terms used here
- Assumed return
- A constant growth rate you entered for the accumulation years.
- Retirement age
- The year-count this projection runs. Not a Social Security claiming age unless you made it so.
Practical tips
- Use the 401(k) and Roth IRA pages if employer match or account type matters.
- Try a lower return and a later start date before you treat a surplus as real.
Limits and caveats
- Not investment, tax, or retirement advice. Markets are not a straight line.
Results are for information. They are not legal, tax, medical, or financial advice. How the math is maintained · Report a wrong figure.
Engine notes
Rounding, versioning, and omissions that sit beside the guide rather than repeating it.
- Accumulation. Current savings and monthly contributions grow at a constant assumed return until retirement age, using the shared contribution-growth primitive.
- Goal comparison. A gap or surplus is the modeled balance minus the goal you typed. It is not a statement that you are on track.
- What is left out. Social Security, pensions, healthcare, inflation, and taxes in retirement are not fabricated. 401(k) match and Roth contribution rules live on those dedicated pages.