Gratuit en LigneCalculatrices
Retirement Calculator
Calculate how much you will have at retirement based on current savings, monthly contributions, annual return rate, and time horizon. Includes inflation adjustment.
retirement calculatorretirement savings calculatorhow much do I need to retire401k calculatorretirement planning calculator
Projected Balance at Retirement
$1,188,181
Inflation-adjusted value: $422,260 (today's dollars)
Total Contributed
$235,000
Investment Growth
+$953,181
Years to Retire
35 years
At the 4% safe withdrawal rule, your monthly income would be $3,961/mo
Fonctionnalités Clés — Retirement Calculator
Future value with compound growth
Monthly contribution modeling
Inflation-adjusted (real) value
Year-by-year balance breakdown
4% rule monthly withdrawal estimate
Customizable return and inflation rates
Pourquoi Utiliser Cet Outil — Retirement Calculator
Gratuit en Ligne Retirement calculatorRetirement savings calculator — pour TousRapide & Facile How much do I need to retire401k calculator — 100% GratuitGratuit en Ligne Retirement planning calculator
Confidentialité d'abord
Tout le traitement se fait dans votre navigateur. Vos données ne quittent jamais votre appareil.
Ultra Rapide
Obtenez des résultats instantanés sans temps d'attente. Pas de délais serveur.
Fonctionne Partout
Utilisez sur tout appareil — ordinateur, tablette ou téléphone. Aucun téléchargement nécessaire.
Questions Fréquemment Posées — Retirement Calculator
How much do I need to retire?
A common rule of thumb is to save 25× your annual expenses (the "4% rule"). If you spend $50,000/year in retirement, you need $1.25 million. The 4% rule means you can withdraw 4% of your portfolio per year with a high probability of not running out of money over a 30-year retirement.
What rate of return should I assume?
The US stock market has historically returned about 10% annually before inflation, or about 7% adjusted for inflation. A diversified portfolio of stocks and bonds might average 6–8%. Conservative estimates use 5–6%; aggressive estimates use 8–10%. Lower is safer for planning.
What is the impact of starting early?
Starting early is the most powerful factor in retirement savings due to compound interest. Contributing $300/month from age 25 to 65 at 7% return yields about $786,000. Starting at 35 with the same contribution yields about $380,000 — less than half — from just 10 fewer years of growth.