Retirement Calculator FAQ

It depends on your withdrawal rate, portfolio returns, and inflation. Using our how long will my retirement savings last calculator, you can input your current nest egg, expected withdrawal rate, and inflation to see a precise, year-by-year projection of exactly when your savings might deplete. This visualizes your full cash runway over the decades using Safe Withdrawal Rate curves.

There is no magic number for everyone. A common rule of thumb is saving 25 times your annual expenses, but our how much do I need to save for retirement calculator backwards-calculates from your desired monthly lifestyle to find your exact required corpus, factoring in your real inflation rate and investment returns.

Building a strategy requires understanding compound interest and consistency. Our how to save for retirement calculator visually breaks down how much of your final wealth comes from your own contributions versus the compounding gains from investment returns over time, so you can find a monthly savings rate that actually works.

It depends heavily on your withdrawal rate and lifestyle. Withdrawing a safe 4% from a $2 million portfolio ($80,000/year) typically lasts over 30 years under historical market returns, while a $3 million portfolio at a conservative 3.5% withdrawal rate ($105,000/year) can last indefinitely under stable conditions. See our detailed breakdown for exact numbers.

Planning for a couple is essential if you're building your financial future alongside a spouse — you'll want to combine dual living expenses and combined portfolios into one holistic view. Incorporating government benefits is equally critical; a robust retirement calculator with social security capability ensures you aren't over-saving unnecessarily. Our dashboard is built for these complex, real-world variables.