Retirement Calculator
Plan for a comfortable retirement
Retirement Projection
Savings Growth Over Time
Retirement Planning Tips
🎯 Start Early
Time is your greatest ally. Starting at 25 vs 35 can mean hundreds of thousands more at retirement.
💰 Maximize Employer Match
If your employer offers 401(k) matching, contribute at least enough to get the full match—it's free money.
📈 Increase Contributions
Increase your savings rate by 1% each year or with each raise. Small increases add up significantly.
🎲 Diversify
Spread investments across stocks, bonds, and other assets based on your age and risk tolerance.
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Frequently Asked Questions
How much should I save for retirement?
A common guideline is to save 10-15% of your income. The 4% rule suggests you need 25x your annual retirement expenses saved. Start early to benefit from compound growth.
What's the 4% rule?
The 4% rule suggests withdrawing 4% of your retirement savings annually. This rate historically allows savings to last 30+ years. Adjust based on your situation.
When should I start saving for retirement?
Start as early as possible. Thanks to compound interest, money saved in your 20s has much more time to grow than money saved in your 40s.
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