Retirement Calculator
See if you're on track to retire comfortably. Add your retirement accounts, factor in employer matching, Social Security, tax implications, and additional income to get the full picture.
About You
Retirement Accounts
$938/mo totalContributions reduce taxable income. Withdrawals taxed as ordinary income.
Contributions from after-tax income. Qualified withdrawals are tax-free. No RMDs.
Additional Retirement Income
Social Security
Check yours at ssa.gov/myaccount. ~85% is taxable.
Growth, Inflation & Tax
S&P 500 avg: ~10% (7% after inflation)
More conservative portfolio
Advisors recommend 70-80%
0% in TX, FL, NV etc.
Results
Your money runs out at age 88
At your current savings rate, you'll run short 2 years before your life expectancy.
Above 4% guideline
Fed + 5% state
How You'll Get There
Account Balances at Retirement
Subject to RMDs No RMDs
Portfolio Balance Over Time
Accumulation Retirement
Year-by-Year Breakdown
| Age | Contributions | Withdrawals | Growth | Est. Tax | Balance |
|---|---|---|---|---|---|
| 30 | $11,250 | — | $5,067 | — | $81,317 |
| 31 | $11,318 | — | $6,249 | — | $98,883 |
| 32 | $11,387 | — | $7,521 | — | $117,791 |
| 33 | $11,459 | — | $8,890 | — | $138,140 |
| 34 | $11,532 | — | $10,363 | — | $160,035 |
| 35 | $11,608 | — | $11,949 | — | $183,592 |
| 36 | $11,687 | — | $13,654 | — | $208,933 |
| 37 | $11,767 | — | $15,489 | — | $236,189 |
| 38 | $11,850 | — | $17,462 | — | $265,501 |
| 39 | $11,936 | — | $19,584 | — | $297,021 |
| 40 | $12,000 | — | $21,864 | — | $330,885 |
| 41 | $12,000 | — | $24,312 | — | $367,197 |
| 42 | $12,000 | — | $26,937 | — | $406,134 |
| 43 | $12,000 | — | $29,752 | — | $447,887 |
| 44 | $12,000 | — | $32,770 | — | $492,657 |
Understanding Your Retirement Plan
The 4% rule suggests withdrawing 4% of your portfolio in year one, then adjusting for inflation, for a high probability of lasting 30 years. This calculator uses your specific inputs rather than assuming 4%.
Tax diversification is one of the most powerful retirement strategies. Having a mix of Traditional (taxed on withdrawal), Roth (tax-free), and taxable accounts gives you flexibility to manage your tax bracket in retirement. This calculator draws from taxable accounts first, then Traditional, then Roth — preserving tax-free growth as long as possible.
Required Minimum Distributions (RMDs) begin at age 73 under SECURE 2.0 for Traditional 401(k)s and IRAs. You must withdraw a minimum amount each year based on your balance and an IRS life expectancy factor. Roth IRAs are exempt from RMDs, making them valuable for later retirement years.
Catch-up contributions allow workers 50+ to contribute an extra $7,500/year to 401(k) plans and $1,000/year to IRAs (2025 limits). HSA holders 55+ can contribute an extra $1,000. These are automatically included based on your age.
Tax estimates use 2025 federal brackets with standard deductions and are approximate. Social Security is assumed 85% taxable. Consult a tax professional for personalized advice.