Retirement Calculator
Retirement Planner
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Your Profile
$
$
Contributions
$
401(k) limit: $23,500/yr (2026)
%
%
Assumptions
%
%
$
2026 avg: $1,976/mo
%
IRS • SSA • officialdata.org • Trinity Study
$1,234,567
Nest Egg at Retirement
40 years of growth
$4,115
Monthly Income
4% withdrawal rule
$6,091
Total Monthly Income
Withdrawal + Social Security
$380,234
Inflation-Adjusted
Nest egg in today's dollars
Balance Growth
Where Your Nest Egg Comes From
Your savings should last through retirement
$4,115/mo withdrawal covers your needs for 30+ years
📥 You Contribute
$240,000
$500/mo for 40 years
🏢 Employer Contributes
$115,200
100% match up to 6% of salary
📈 Investment Growth
$879,367
7% annual return compounded
💵 Sustainable Monthly Withdrawal
$4,115
Balanced to last 30 years in retirement
Year-by-Year Projection Year 1-40
| Year | Age | Balance | Inflation-Adj |
|---|
📚 Data Sources
- IRS — 401(k) & IRA contribution limits
- Social Security Administration — Benefit data
- S&P 500 Historical Returns — Annualized total returns (1926-present)
- Trinity Study (Bengen 1994) — Sustainable withdrawal rate research