Retirement Savings — 4% Rule Calculator
How long will your retirement savings last using the 4% withdrawal rule?
Quick Answer
Retirement balance: $1,764,939
Starting savings grown
$542,743
Monthly contributions grown
$1,222,196
Total balance
$1,764,939
Total contributed
$550,000
Investment growth
$1,214,939
4% rule monthly income
$5,883
- ✓4% withdrawal rule: $1,764,939 supports $5,883/month in retirement
- ✓Investment growth of $1,214,939 — compounding contributes more than your savings
- ✓Increasing monthly savings by $150 would add ~$122,220 to final balance
- ✓25 years of compounding turns $550,000 into $1,764,939
Projected Retirement Savings
$1,787,649.36
Monthly Income (4% Rule)
$5,958.83
Annual Income
$71,505.97
How Long Savings Last
NaN years
The 4% rule (Trinity Study) suggests withdrawing 4% of portfolio per year for 30-year retirement.
Frequently Asked Questions
How much will $1,500/month in savings be worth at retirement?
Retirement balance: $1,764,939. At 7% average annual return over 25 years, your contributions grow substantially through compounding. The 4% safe withdrawal rule translates this to $5,883 per month in sustainable retirement income.
Am I saving enough for retirement?
A common benchmark: you need 25× your annual expenses at retirement (the 4% rule). If you expect to spend $70,596/year, you need $1,764,939. Adjust your savings rate, retirement age, or expected expenses to hit your target.
What return rate should I assume for retirement planning?
Historical US stock market average is ~10% nominal, ~7% real (inflation-adjusted). This calculator uses 7%. Conservative planners use 5–6%; aggressive planners use 8–9%. Your actual rate depends on your asset allocation — more bonds = lower expected return but less volatility.
What happens if I retire earlier or later than planned?
Each extra year of work: (1) adds more contributions, (2) lets existing savings compound longer, and (3) reduces the number of years you need to fund. Retiring 3 years later can increase your retirement balance by 30–50%. Retiring early has the reverse effect.
Related Scenarios
Results are estimates for informational purposes only and do not constitute financial advice. Tax figures use 2026 US rates. Consult a licensed financial advisor before making financial decisions.Last updated: April 2026