Retirement Calculator
Project your retirement savings from your current age, savings, and monthly contributions — plus an estimated retirement income based on a withdrawal rate you choose.
Your retirement plan
Combined 401(k), IRA, brokerage, or other retirement savings contributions.
An assumption you choose, not a guaranteed return.
Used to estimate a sustainable annual income from your balance. 4% is a commonly cited U.S. rule of thumb, not a guarantee.
Projected balance at age 65
$1,130,650
Based on a 7.00% assumed annual return over 35 years. This is a projection, not a guarantee.
Total contributions
$230,000
Estimated annual income
$45,226
Estimated monthly income
$3,769
Estimated income applies your chosen withdrawal rate to the projected balance — it isn't a promise the balance will last a specific number of years.
Year-by-year breakdown
| Year | Starting balance | Contributions | Investment growth | Ending balance |
|---|---|---|---|---|
| 1 | $0 | $26,000 | $1,642 | $27,642 |
| 2 | $27,642 | $6,000 | $2,195 | $35,837 |
| 3 | $35,837 | $6,000 | $2,787 | $44,624 |
| 4 | $44,624 | $6,000 | $3,422 | $54,046 |
| 5 | $54,046 | $6,000 | $4,103 | $64,149 |
| 10 | $112,413 | $6,000 | $8,323 | $126,736 |
| 15 | $195,156 | $6,000 | $14,304 | $215,460 |
| 20 | $312,454 | $6,000 | $22,784 | $341,238 |
| 25 | $478,740 | $6,000 | $34,804 | $519,544 |
| 30 | $714,470 | $6,000 | $51,845 | $772,315 |
| 35 | $1,048,647 | $6,000 | $76,003 | $1,130,650 |
How retirement income is estimated
This calculator first projects your balance at your target retirement age using the same compound-growth math used throughout this site. It then applies your chosen withdrawal rate to that projected balance to estimate a sustainable annual and monthly income — a common planning approach in the U.S., often referenced alongside the "4% rule." That estimate is not a promise the balance will last a specific number of years; actual sustainability depends on real returns, inflation, and spending, none of which are fixed.
If you want to work from your target spending instead of a target age, see our FIRE calculator, which sizes a target balance directly from your annual expenses.
Frequently asked questions
This is an educational calculator, not financial advice.
Results shown are estimated future values based on the return assumption you enter — they are not predictions and VOO is not guaranteed to achieve any particular return. Past performance of the S&P 500 or any fund does not guarantee future results. Consider speaking with a licensed financial professional before making investment decisions.