Retirement calculator
Project what your retirement savings could grow to by the age you plan to stop working, what that is worth in today’s dollars, and the monthly income it could support.
- In today’s dollars
$602,723$602,723 - Monthly income at retirement
$4,877$4,877 - Monthly income in today’s dollars
$2,009$2,009 - Total contributed
$348,000$348,000 - Growth
$1,114,966$1,114,966
- Contributions
- Growth
Estimates, rounded for display. Rates, taxes and fees change; check the figures that matter against your own statements.
The math behind the result
The projection compounds your current savings and monthly contributions at the return you expect, month by month, until the year you retire. Contributions and growth are kept separate, so the chart shows how much of the final balance came from saving and how much from the return doing the work.
A dollar at retirement buys less than a dollar today. Dividing the final balance by inflation compounded over the same years gives the figure in today’s purchasing power, which is the honest one to plan around.
The income line applies the withdrawal rate to the balance and divides by twelve. The traditional 4% rule comes from studies of portfolios lasting 30 years through historical markets; a lower rate is safer for a longer retirement or a cautious portfolio, and a higher one draws the money down faster.
savings at retirement = savings × (1 + r)^n + contribution × ((1 + r)^n − 1) ÷ r in today’s dollars = savings at retirement ÷ (1 + inflation)^years monthly income = savings at retirement × withdrawal rate ÷ 12 r = return ÷ 12 · n = years to retirement × 12
Questions, answered.
Connect your retirement and brokerage accounts and Zypper keeps their balances in your net worth, updated daily, so you can check the real line against the one you projected here.