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Retirement Savings Calculator
Find out if you're saving enough for a comfortable retirement.
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Retirement Savings Calculator
25× rule (4% safe withdrawal rate)
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The 25× Rule (4% Rule)
A widely-used guideline suggests you need 25 times your annual retirement expenses saved to sustain a 30-year retirement (the "4% safe withdrawal rate"). For example, if you plan to spend $3,000/month ($36,000/year), you'd need $900,000 saved.
This calculator uses the 25× rule as a benchmark and shows whether your projected savings meet or fall short of this target.
Target = Annual Expenses × 25
Future Value = PV × (1+r)^t + PMT × [(1+r)^t − 1] / r
PV = current savings · PMT = monthly contribution · r = monthly return · t = months
Retirement Planning Phases
- 1.Accumulation (20s–50s): Max out contributions, invest aggressively
- 2.Pre-retirement (5–10 yrs out): Shift to balanced portfolio, reduce risk
- 3.Distribution (retirement): Withdraw 4% or less annually