For Investors
Explore how compounding, real estate, and expected retirement benefits can affect your financial future and projected monthly savings scenarios.
Adjust the assumptions below to see how your current savings, ongoing contributions, and long-term return expectations may compound between now and retirement.
Projected balance
$2,641,606
In today's dollars
$1,259,366
Total contributed
$640,000
Figures are hypothetical illustrations based on the assumptions entered and assume monthly contributions with compounding at a constant rate. They are not projections of actual results, do not account for taxes, fees, or market volatility, and should not be relied upon as investment advice.
Start with the retirement income you want and see how much you would need to contribute each month, compared across 3%, 4%, and 5% annual withdrawal rates.
3% withdrawals
$2,192/mo
Portfolio needed at 65: $6,292,703
Employer match adds $1,096/mo
4% withdrawals
$1,563/mo
Portfolio needed at 65: $4,719,527
Employer match adds $781/mo
5% withdrawals
$1,185/mo
Portfolio needed at 65: $3,775,622
Employer match adds $593/mo
Each line shows your projected portfolio balance over time, growing during your working years and drawing down in retirement at a 3%, 4%, or 5% annual withdrawal rate. Monthly contributions escalate each year by the increase you select, and any employer match is added on top of your contribution. Desired income and Social Security income are stated in today's dollars and adjusted for inflation. Figures are hypothetical illustrations, assume constant returns, do not account for taxes, account contribution limits, fees, or market volatility, and should not be relied upon as investment or tax advice.
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Download PDFA calculator is a starting point. Speak with an advisor for guidance tailored to your objectives, timeline, and tax situation.