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Retirement Planning Calculator
Plan your retirement with comprehensive projections and multiple account types
Projected Savings
$2,195,767
At retirement age 65
Savings Needed
$2,532,476
For 75.0% income replacement
Monthly Income Goal
$14,069
Inflation-adjusted
Readiness Status
Nearly There
You're close to your goal. Small adjustments will help.
Basic Information
Economic Assumptions
Include Social Security
Retirement Accounts
Analysis & Recommendations
⚠️ Savings Gap
You're projected to be $336,709 short of your retirement goal.
Solution: Increase monthly savings by $203
Retirement Scenarios
Conservative (6% return): $1,866,402
Current plan (7% return): $2,195,767
Optimistic (9% return): $2,854,497
4% Withdrawal Rule
Based on your projected savings, you could safely withdraw:
$7,319/month
This rule suggests withdrawing 4% annually to make savings last 30+ years
Key Milestones
Age 30: 1x salary saved ✓
Age 40: 3x salary saved ○
Age 50: 6x salary saved ○
Age 60: 8x salary saved ○
Retirement Savings Projections
| Age | Salary | Contributions | Balance | Progress |
|---|---|---|---|---|
| 31 | $82,400 | $11,400 | $64,900 | 2.6% |
| 32 | $84,872 | $11,400 | $80,843 | 3.2% |
| 33 | $87,418 | $11,400 | $97,902 | 3.9% |
| 34 | $90,041 | $11,400 | $116,155 | 4.6% |
| 35 | $92,742 | $11,400 | $135,686 | 5.4% |
| 36 | $95,524 | $11,400 | $156,584 | 6.2% |
| 37 | $98,390 | $11,400 | $178,945 | 7.1% |
| 38 | $101,342 | $11,400 | $202,871 | 8.0% |
| 39 | $104,382 | $11,400 | $228,472 | 9.0% |
| 40 | $107,513 | $11,400 | $255,865 | 10.1% |
Retirement Planning Tips
Maximize Your Savings
- • Take full advantage of employer 401(k) matching
- • Consider Roth vs traditional accounts for tax diversity
- • Increase contributions with salary raises
- • Use catch-up contributions after age 50
Investment Strategy
- • Diversify across asset classes
- • Consider age-appropriate asset allocation
- • Minimize fees and taxes
- • Rebalance portfolios annually