A retirement savings calculator projects whether your current savings rate will provide enough income in retirement. It combines compound growth of existing savings, future contributions, and estimates post-retirement income needs.
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Pro Tip
Social Security replaces about 40% of pre-retirement income for average earners. Factor in your estimated SS benefit (find it at ssa.gov) to reduce the portfolio size you need to build.
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Did You Know?
The 4% rule originated from the "Trinity Study" (1998) by three Trinity University professors who analyzed historical 30-year retirement periods. It has held up in most historical scenarios but some planners now use 3.5% for longer retirements.
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