Free retirement calculator to project your savings growth over time. Enter current savings, monthly contributions, and expected return rate. See year-by-year growth, retirement income using the 4% rule, and whether you're on track. Includes inflation adjustment and Social Security estimates. Updated with 2026 federal tax brackets, standard deductions, and contribution limits.
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| Tax Rate | Single Filer | Married Filing Jointly |
|---|---|---|
| 10% | $0 – $12,150 | $0 – $24,300 |
| 12% | $12,151 – $49,475 | $24,301 – $98,950 |
| 22% | $49,476 – $105,525 | $98,951 – $211,050 |
| 24% | $105,526 – $201,350 | $211,051 – $402,700 |
| 32% | $201,351 – $255,925 | $402,701 – $511,850 |
| 35% | $255,926 – $640,500 | $511,851 – $768,600 |
| 37% | Over $640,500 | Over $768,600 |
This retirement calculator uses the latest 2026 federal tax brackets, standard deduction of $15,350 (single) / $30,700 (married filing jointly), and updated contribution limits. The Social Security wage cap for 2026 is $183,300, and the 401(k) contribution limit is $24,000.
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| Age | Year | Total Contributed | Year Interest | Balance |
|---|---|---|---|---|
| 31 | 1 | $56,000 | $2,384 | $58,384 |
| 32 | 2 | $62,000 | $2,760 | $67,144 |
| 33 | 3 | $68,000 | $3,152 | $76,297 |
| 34 | 4 | $74,000 | $3,562 | $85,859 |
| 35 | 5 | $80,000 | $3,991 | $95,850 |
| 36 | 6 | $86,000 | $4,438 | $106,289 |
| 37 | 7 | $92,000 | $4,906 | $117,195 |
| 38 | 8 | $98,000 | $5,395 | $128,589 |
| 39 | 9 | $104,000 | $5,905 | $140,494 |
| 40 | 10 | $110,000 | $6,438 | $152,932 |
| ... 22 more years ... | ||||
| 63 | 33 | $248,000 | $28,079 | $657,670 |
| 64 | 34 | $254,000 | $29,606 | $693,276 |
| 65 | 35 | $260,000 | $31,201 | $730,477 |
4% Rule: The safe withdrawal rate assumes you withdraw 4% of your total retirement savings annually. This strategy is designed to sustain your portfolio for approximately 30 years of retirement.
Social Security: Estimates are based on the 2024 average monthly benefit of approximately $1,907 at full retirement age (67). Benefits are reduced ~6.67% per year if claimed before 67, and increased ~8% per year if delayed up to age 70.
Inflation: Results are shown in today's dollars using a 2.5% annual inflation rate. The real rate of return used is 4.39%.
Disclaimer: This calculator provides estimates for educational purposes only. It does not account for taxes, market volatility, changes in contribution amounts, or individual circumstances. Consult a financial advisor for personalized retirement planning.