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Retirement Savings Calculator — 401k, IRA and Roth (2026)

Last verified: May 2026

Project your retirement nest egg and find out if you're on track. Uses the 4% safe withdrawal rule to estimate monthly income in retirement.

✓ You're On Track!

$1,593,989

Projected at age 65

Monthly Income (4% Rule)

$5,313/mo

Target Nest Egg

$1,500,000

Inflation-Adj. Value

$566,477

Surplus

$93,989

Breakdown at Retirement

Current Savings

$25,000

1.6%

Future Contributions

$336,000

21.1%

Investment Growth

$1,232,989

77.4%

Savings Growth by Age

Start Saving for Retirement

FidelityOpen a free IRA or 401k rollover accountOpen IRA at Fidelity VanguardLow-cost index funds & retirement planningStart with Vanguard BettermentAutomated retirement investing (robo-advisor)Try Betterment

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This tool is for educational purposes only and does not constitute financial, tax, or investment advice. Consult a qualified financial professional for advice specific to your situation.

Analysis & insights

Contributing $800/month at 7% for 35 years builds a retirement balance of $1,593,989. Under the 4% rule, that supports about $63,760/year ($5,313/month) of inflation-adjusted spending in retirement. You're above the typical industry target for a comfortable retirement at 65.

On track for a comfortable retirement

Above the industry rule-of-thumb for upper-middle-class retirement at age 65.

Risk & benchmark gauge

Current band

On track

$63,760/yr sustainable spending

0255075100
UnderfundedBelow targetOn trackComfortable

Industry benchmarks

  • Your projected balance$1,593,989
  • Industry target at 65$1,500,000
  • Minimum comfortable retirement$750,000
  • Median 401(k) balance at 65 (US)$255,000
  • 4% rule monthly income$5,313/mo

Key insights

The 4% rule

$1,593,989 supports approximately $63,760/year of inflation-adjusted withdrawals over a 30-year retirement, based on the Trinity study.

Time horizon is your superpower

With 35 years to compound, even modest contributions snowball dramatically. The last 5 years before retirement typically add more dollars than the first 15.

Social Security is on top

This calculator covers your portfolio; Social Security typically replaces 30-40% of pre-retirement income for median earners. Add expected SS to your retirement plan.

Scenario analysis

You

Current plan

$1,593,989

$800/mo for 35 yrs at 7%.

+$200/mo more

$1,658,843

+$64,854

Extra $84,000 of contributions becomes much more thanks to compounding.

Retire 3 years later

$1,656,586

+$62,597

Working longer is the most reliable retirement boost — 3 extra years can add 30%+ to your terminal balance.

Bear market (5%)

$867,075

-$726,914

If average returns are 5% instead of your assumed rate.

Recommended actions(4)

Max your 401(k) employer match first

High priority

Free money. Always the highest-return move available.

Impact: A 5% employer match on a $80K salary = $4,000/yr free, compounding for the rest of your career.

Open a Roth IRA in addition to your 401(k)

Medium priority

2025 limit: $7,000/yr ($8,000 if 50+). Tax-free growth and tax-free withdrawals in retirement.

Impact: $583/mo for 35 years at 7% = $967,105 tax-free at retirement.

Re-balance once per year

Medium priority

Sell winners and buy losers to maintain your target allocation. Shift toward bonds gradually as you approach retirement.