Retirement Planning Calculator
Work out a target retirement number and the savings rate that reaches it.
Target number$1,500,000
Projected at 65$1,104,741
Shortfall$395,259
| Age | Contributed | Balance |
|---|---|---|
| 36 | $59,600 | $62,952 |
| 39 | $88,400 | $106,803 |
| 42 | $117,200 | $159,278 |
| 45 | $146,000 | $222,073 |
| 48 | $174,800 | $297,220 |
| 51 | $203,600 | $387,146 |
| 54 | $232,400 | $494,759 |
| 57 | $261,200 | $623,537 |
| 60 | $290,000 | $777,644 |
| 63 | $318,800 | $962,060 |
| 65 | $338,000 | $1,104,741 |
The target number is your yearly spending divided by the withdrawal rate, which is the arithmetic behind the common “25 times your spending” rule at 4%. That rate comes from historical US market studies and is a planning benchmark, not a guarantee. This projection uses a fixed return in every year, ignores inflation, taxes, and Social Security, and does not model market crashes. It is for education only, not personalized financial advice — see our disclosure policy.
Dispatch / Every Sunday
The Sunday dispatch.
The best new piece from each pillar, straight to your inbox once a week.