Retirement calculator
Accumulation first, then spending. Inflation prefilled at today's CPI rate (3.72%, 2026-09); all results are shown in today's dollars.
Saving
Spending
Result
$0
0%first-year withdrawal rate
—money lasts until
$0you + match per year now
$0needed at retirement for the 4% rule
Year by year today's dollars
| Age | Contributions | Growth | Withdrawals | Balance |
|---|
All figures are converted to today's dollars using the inflation rate you enter, so a flat spending number stays flat. Taxes are not modeled: enter pre-tax contributions and after-tax spending, or reduce the balance by your expected tax rate. 401(k) limits ($24,500 employee deferral in 2026) are not enforced.