Will your savings last? Project your retirement fund with inflation-adjusted math — or flip to reverse mode and find the exact monthly saving your goal needs.
Estimates only — markets vary. This is not financial advice.
Many planners use the 4% rule: you can safely withdraw about 4% of your fund each year in retirement. Flip it around — you need roughly 25× your annual spending saved. Spend $40,000/year? Target ~$1,000,000.
$1,000,000 in 30 years at 3% inflation buys what ~$412,000 buys today. This calculator always shows the today's-money value next to the nominal projection, so you plan with honest numbers.
A common rule: save 25× your annual spending (the 4% rule). Spend $30,000/year → aim for ~$750,000. Use reverse mode above for your exact monthly target.
Yes — enter an inflation rate and the projection shows both the nominal future value and its worth in today's money.
Long-term diversified portfolios have returned ~7% nominal (~4–5% after inflation). Conservative planners use 5–6%.
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