Free tool · no sign-up
How much could you have when you retire?
Enter your age and your numbers to see a projected range for your retirement.
A free tool from Good Steward Money, a budgeting app. No account needed.
Your numbers
By 65, in today's dollars
| Amount | Careful3% growth | Hopeful6% growth |
|---|---|---|
| Saved today | $45,000 | $45,000 |
| + $400 a month for 25 years | $120,000 | $120,000 |
| + Growth | $106,618 | $298,650 |
| = Saved by 65 | $271,618 | $463,650 |
| Monthly income4% a year ÷ 12 | $905 | $1,545 |
Hover or tap the chart to see any age.
The monthly amount uses a 4% withdrawal rate. Government retirement benefits aren’t included. Any you receive would come on top of this.
Saving a little more
How saving more each month changes your monthly income at 65.
As entered
$905–$1,545/mo
+$50 a month
$979–$1,658/mo
+$100 a month
$1,053–$1,771/mo
What this assumes
- Growth is after inflation, so the amounts are in today’s dollars.
- You save the same amount each month until 65, with growth added monthly.
- Market ups and downs aren’t modeled. The range uses a careful growth rate of 3% a year and a hopeful one of 6% a year.
- Government retirement benefits aren’t included. Any you receive would come on top of this range.
- The 4% withdrawal rate is a common rule of thumb for turning savings into monthly income, not a guarantee.
Comparing this with someone else’s number, like a headline or a coworker’s account, won’t help you much. What helps is deciding what to do with your next dollar.
You can’t predict the future, but you can plan for it.
Opens Good Steward Money, where you can set a retirement savings goal and track your progress. 30-day free trial.
Common questions
A few honest answers
There’s no set amount you’re supposed to have at a given age. Charts that rank you against someone else don’t know your income, your situation or what you’ve already been through, so they rob your joy and don’t say much about your own plan.
A more useful comparison is with yourself: what did you save last month, and what would one small change do next month? That question works whatever the range above shows.