Retirement Savings Calculator

Project how your retirement savings will grow over time using compound interest. Based on
standard financial planning assumptions (7% nominal return, 3% inflation adjustment = ~4% real return).

Current Age
Retirement Age
Current Savings ($)
Monthly Contribution ($)
Expected Annual Return (%)
Annual Withdrawal Needed ($)

Project Retirement

Projected Retirement Balance

This tool is for informational purposes only and does not constitute financial advice.
Consult a professional financial advisor or CFP for a personalized retirement plan. Past investment
performance does not guarantee future results.

IRS Retirement Contribution Limits (2024)

Account Type	Annual Limit	Catch-up (50+)
401(k), 403(b)	$23,000	+$7,500
IRA (Traditional/Roth)	$7,000	+$1,000
SIMPLE IRA	$16,000	+$3,500
SEP-IRA	25% of comp or $69,000	N/A

4% Rule: A commonly cited withdrawal rate where a portfolio can sustain 30 years of withdrawals.
Projected savings ÷ 0.04 = sustainable annual income estimate.

References & Methodology

Bengen, W.P. (1994) — "Determining Withdrawal Rates Using Historical Data." Journal of Financial Planning 7(4). Original research establishing the 4% sustainable withdrawal guideline.
Vanguard — How America Saves (2023) — Annual 401(k) benchmarking report; median balances, contribution rates, and retirement readiness data.
Internal Revenue Service (IRS) Publication 590-A & 560 — Retirement plan contribution limits, catch-up provisions, and tax treatment of retirement accounts.

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