CalcVine

Retirement Savings Calculator

Find out if you are saving enough to retire comfortably. See your projected nest egg and monthly income in retirement.

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Total retirement savings today
What you save each month
S&P 500 historical avg ~7%
What you want to spend monthly
Projected Nest Egg
Monthly Income (4% rule)
Years to Retire
Total You Will Invest
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How Much Do You Need to Retire?

A common rule of thumb is the 25x rule: multiply your desired annual retirement spending by 25. If you want to spend $60,000 per year in retirement, you need $1.5 million saved. This is based on the 4% withdrawal rule, which says you can safely withdraw 4% of your portfolio per year without running out of money over a 30-year retirement.

How to Boost Your Retirement Savings

Max out your 401k employer match first — it is free money. Then max your Roth IRA ($7,000/year in 2025). After that, return to your 401k up to the $23,500 annual limit. Even increasing your savings rate by 1% per year makes a massive difference over decades.

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