Secure Finance

Retirement Savings Calculator

Project your retirement nest egg based on your current savings, monthly contributions, expected return, and years to retirement. Free, no sign-up required.

Projected Retirement Balance

Projected Balance$0
Total Contributions$0
Total Investment Growth$0

�?/p>

How the Retirement Calculator Works

This tool uses the future value of a growing annuity formula to project your retirement balance. It compounds your current balance and monthly contributions monthly at your specified annual return rate.

Formula: FV = Current × (1+r)^n + Monthly × [(1+r)^n �?1] / r, where r is the monthly rate and n is the number of months.

How Much Do You Need to Retire?

The most widely used benchmark is the 25x rule: multiply your expected annual spending in retirement by 25. This is based on the 4% safe withdrawal rate �?the idea that you can withdraw 4% of your portfolio annually with a high probability of not running out of money over 30 years.

  • Spend $40,000/year �?need ~$1,000,000
  • Spend $60,000/year �?need ~$1,500,000
  • Spend $80,000/year �?need ~$2,000,000

2025 Retirement Account Contribution Limits

  • 401(k) / 403(b): $23,500 ($31,000 if age 50+)
  • IRA (Traditional or Roth): $7,000 ($8,000 if age 50+)
  • SEP-IRA: Up to 25% of compensation, max $70,000
  • HSA (if eligible): $4,300 individual / $8,550 family

How to Maximize Retirement Savings

  • Always contribute enough to capture your full employer 401(k) match �?it's an immediate 50%�?00% return.
  • Max out your IRA after capturing the employer match.
  • Use tax-advantaged accounts (traditional for current deduction, Roth for tax-free growth).
  • Increase contributions by 1% each year, especially after raises.
  • Keep investment fees low �?index funds typically charge 0.03%�?.20% vs. 1%+ for actively managed funds.

Frequently Asked Questions

How much do I need to retire?

The 25x rule: multiply your expected annual spending by 25. If you plan to spend $60,000/year, you'd need ~$1.5 million. This is based on the 4% safe withdrawal rate.

What is a 401(k)?

A 401(k) is an employer-sponsored retirement account. In 2025, you can contribute up to $23,500 ($31,000 if 50+). Many employers match contributions �?always contribute enough to get the full match.

What annual return should I assume?

Most planners use 5%�?% for long-term projections. The S&P 500 has historically returned ~10% nominally, but after inflation (~3%), the real return is closer to 7%. Use conservative estimates for planning.

What is the 4% rule?

The 4% rule suggests you can withdraw 4% of your portfolio in year one, then adjust for inflation annually, with a high probability of not running out of money over 30 years. It's a useful guideline, not a guarantee.

How much should I save each month?

A common target is 15% of gross income, including employer match. At minimum, contribute enough to capture your full employer match. If starting late, aim for 20%+ to catch up.

Compound Interest Calculator

See how savings grow with compounding over time.

Tax Withholding Estimator

Estimate federal income tax withholding per paycheck.

Mortgage Calculator

Estimate monthly home loan payments with PITI.

Educational purposes only. Not financial advice. Returns are hypothetical and not guaranteed. Consult a licensed financial advisor for personalized retirement planning. Contribution limits: IRS.gov.