Your result
How this calculation works
Savings compound monthly until the selected retirement age. Illustrative annual withdrawal = projected balance × withdrawal percentage ÷ 100.
Explore a constant-return savings projection with monthly contributions. The withdrawal figure is an illustration, not a promise that savings will last.
How to use this calculator
- Enter or choose current age.
- Enter or choose retirement age.
- Enter or choose current savings.
- Enter or choose monthly contribution.
- Enter or choose assumed annual return (%).
- Enter or choose illustrative annual withdrawal (%).
- Select Calculate and review the result and assumptions.
Worked example
Starting at age 30 with 10,000 saved, adding 100 monthly, and retiring at 40 with a 0% return produces 22,000 before tax and inflation.
Assumptions and limitations
Returns are constant in this model. Inflation, taxes, fees, market volatility, pensions, and longevity are not modeled. A chosen withdrawal percentage is not a safe-withdrawal guarantee.
Frequently asked questions
Is the projected balance guaranteed?
No. Actual investment returns vary. This is a constant-rate mathematical scenario.
Is the withdrawal rate a recommendation?
No. The entered percentage only illustrates an annual amount; it does not model how long the portfolio will last.