Retirement Calculator - 401k & Savings Planner
Plan your retirement with compound interest projections. Calculate total savings, monthly retirement income (4% rule), and see how current savings plus monthly contributions grow until retirement age.
Part of Yoopla's 445+ free browser tools.
Historical stock market average: 7-10%
💰 Retirement Planning Guide
4% Rule: Withdraw 4% of savings annually for sustainable retirement income.
Compound Interest: Start early to maximize compound growth over time.
Employer Match: Always contribute enough to get full employer 401(k) match.
Diversify: Spread investments across stocks, bonds, and other assets.
Disclaimer: This is for planning purposes only. Consult a financial advisor for personalized advice.
How to Use Retirement Calculator
- 1
Enter current age and retirement age.
- 2
Input current savings amount.
- 3
Set monthly contribution amount.
- 4
Enter expected annual return rate (7-10% typical).
Frequently Asked Questions
What is the 4% rule?▾
The 4% rule suggests withdrawing 4% of retirement savings annually for sustainable income. The calculator uses this to estimate monthly retirement income.
How much should I save for retirement?▾
Financial advisors often recommend 10-15% of income. The calculator helps you see if you are on track for your retirement goals.
What return rate should I use?▾
Historical stock market returns average 7-10% annually. Conservative estimates use 6-7%, aggressive 10-12%. Past performance does not guarantee future results.
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