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Retirement Savings Calculator — How Much Do You Need?

Planning for retirement is the most important compound interest use case. This calculator assumes you are 35 years old with $50,000 saved and 30 years to retirement.

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Pre-filled with typical values for this scenario. Adjust any field to see updated results.

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Default Scenario — What These Numbers Assume

ParameterDefault ValueNotes
Term (Years)30Time horizon
Principal50000Starting investment or loan amount
Annual Return / Rate7Expected rate of return or interest
Compounding12How often interest compounds
Monthly Contribution800Regular deposit or payment

Frequently Asked Questions

How much should I have saved for retirement at 35?
A common benchmark is 2x your annual salary by age 35. If you earn $70,000, aim for $140,000 saved. Many people fall behind this benchmark — the key is to increase contributions.
What is the 4% rule for retirement?
The 4% rule suggests you can withdraw 4% of your retirement portfolio each year without running out of money over 30 years. To replace $60,000/year in income, you need $1.5M saved.
Should I use a Roth IRA or traditional IRA?
Roth IRA is generally better if you expect to be in a higher tax bracket in retirement. Traditional IRA reduces taxes now. Many experts recommend doing both if eligible.

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ℹ️ Free Tool This calculator is provided for educational purposes. Consult a financial advisor before making major financial decisions.

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