Retirement Calculator

Find your target number, then see if your current contributions are actually on pace to hit it.

Current age

Target retirement age

Current retirement savings ($)

Monthly contribution ($)

Expected annual return (%)

Desired annual retirement income, today's dollars ($)

Withdrawal rate (%)

4% is the traditional starting-point estimate from U.S. historical market data — not a guarantee, and it assumes a 30-year retirement horizon.

Target nest egg needed

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Projected balance at retirement age

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Educational estimate, not financial advice — this ignores taxes, inflation on your contribution growth, Social Security (which most H1B-to-green-card holders can still qualify for with 40 work credits), and any pension. Run it again on a lower expected return to stress-test the plan.