Retirement Calculator
Social Security + 401(k) projections in seconds
This calculator is an educational tool, not financial advice. Projections are estimates based on assumptions and historical averages — actual results will vary. Consult a certified financial planner or fiduciary before making retirement decisions. DemandFlowww is not a financial advisor.
Your Details
Historical S&P 500 avg ≈ 7% after inflation
Frequently Asked Questions
How is my projected savings calculated?
We apply compound interest to your current savings plus monthly contributions over the years until retirement, using your expected annual return rate (FV formula).
How accurate is the Social Security estimate?
Our estimate uses a 40% income replacement rate at full retirement age (67), adjusted for early or delayed claiming. The SSA's actual benefit depends on your full 35-year earnings history — this is an approximation.
What is the 4% withdrawal rule?
A widely-cited guideline suggesting retirees can withdraw 4% of their portfolio annually with a high probability of not outliving savings over 30 years. Monthly withdrawal = (Savings × 4%) ÷ 12.
Is this financial advice?
No. This is an educational tool only. Results depend on many variables including taxes, inflation, and market performance. Always consult a certified financial planner or fiduciary before making retirement decisions.