Financial calculators
Retirement Savings
Model a savings balance and an illustrative withdrawal amount.
Inputs stay in your browser. Illustrations exclude taxes, fees, inflation, and market variability.
Illustrative future balance
Over 30 years
A constant-return illustration. Actual balances can rise or fall.
Methodology and assumptions
Contributions are added at the end of each month. For nominal annual rate r and compounding frequency n, the effective monthly rate is i = (1 + r/n)^(n/12) − 1. Each month: new balance = previous balance × (1 + i) + monthly contribution.
Equivalent future value over m months: P × (1 + i)^m + C × ((1 + i)^m − 1)/i. At zero return, future value equals P + C × m.
Retirement projections compound monthly. Illustrative monthly withdrawals equal projected balance × selected annual withdrawal percentage ÷ 12. This is not a sustainable-income guarantee or a recommendation; it does not model depletion, sequence of returns, or longevity.
View the yearly results table
| Year | Contributions | Balance |
|---|---|---|
| 0 | $10,000 | $10,000 |
| 1 | $13,000 | $13,701 |
| 2 | $16,000 | $17,630 |
| 3 | $19,000 | $21,801 |
| 4 | $22,000 | $26,229 |
| 5 | $25,000 | $30,931 |
| 6 | $28,000 | $35,923 |
| 7 | $31,000 | $41,222 |
| 8 | $34,000 | $46,849 |
| 9 | $37,000 | $52,822 |
| 10 | $40,000 | $59,164 |
| 11 | $43,000 | $65,897 |
| 12 | $46,000 | $73,045 |
| 13 | $49,000 | $80,634 |
| 14 | $52,000 | $88,691 |
| 15 | $55,000 | $97,246 |
| 16 | $58,000 | $106,327 |
| 17 | $61,000 | $115,969 |
| 18 | $64,000 | $126,206 |
| 19 | $67,000 | $137,074 |
| 20 | $70,000 | $148,612 |
| 21 | $73,000 | $160,862 |
| 22 | $76,000 | $173,868 |
| 23 | $79,000 | $187,675 |
| 24 | $82,000 | $202,335 |
| 25 | $85,000 | $217,898 |
| 26 | $88,000 | $234,422 |
| 27 | $91,000 | $251,964 |
| 28 | $94,000 | $270,589 |
| 29 | $97,000 | $290,362 |
| 30 | $100,000 | $311,355 |
For general education only. These materials do not provide personalized investment, insurance, tax, or legal advice. Actual outcomes vary, and investments may lose value.