RetireCalcHub

US Retirement Calculator

🔒Free • No signup • Educational estimates only • No data stored

Simple projection of your future portfolio in USD.

Enter your age, target retirement age, current portfolio, annual savings, expected return, and a withdrawal rate to see an example estimate of your future balance and possible annual withdrawal.

Result

Retirement estimate

At age —

—

Estimated portfolio value in USD

—

Estimated annual withdrawal

—

Based on the withdrawal rate you enter

Years until retirement

—

Calculated from current and retirement age

This is a simplified projection using a constant growth rate and yearly contributions. It does not include tax, inflation, fees or changes in income or markets.

This shows where your savings and contributions could lead if nothing changes. Small, steady adjustments usually matter more than perfect assumptions.

Benchmark Snapshots (Typical Retirement Savings by Age)

These are rough reference points to help you compare your result. Real-world numbers vary widely by income, location, and household size.

Around age 45

$100k–$250k

Around age 55

$200k–$500k

Around age 65

$300k–$700k

Typical target

25× yearly spending

Educational estimates only. Consider inflation, taxes, fees, and market variability. Use these benchmarks as context—not a goalpost.

About This Retirement Calculator

This retirement calculator provides a simple example estimate of how your savings might grow over time. The estimate is based only on the information you enter and assumes a steady annual growth rate with yearly contributions.

How the Estimate Works

The calculation compounds your current balance each year and adds any annual savings you choose to include. This produces an estimated total at your selected retirement age, which is shown along with an illustrative annual withdrawal based on the withdrawal rate you enter.

Why People Use This Tool

A retirement calculator can help you explore different savings scenarios. You can adjust ages, contribution amounts and return assumptions to better understand how these factors might affect your long-term financial picture.

Important Note

This tool is for general educational purposes only and does not provide financial, investment, tax or legal advice. Actual outcomes may differ because of inflation, taxes, fees, market conditions and your personal circumstances. Consider speaking with a qualified professional for guidance on your own situation.

This calculator is for general information only and is not financial, investment, tax or legal advice. Results are estimates based on the numbers you enter and simple assumptions. Consider speaking with a qualified professional before making decisions about your own situation.