My Contributions

My Annual Salary

My 401k Balance

My Contribution

Employer Contribution

My Age

Spouse Contributions

Spouse Annual Salary

Spouse 401k Balance

Spouse Contribution

Employer Contribution

Spouse Age

Retirement Withdrawal

Withdrawal From Retirement Per Year

The 4% rule is designed to help you calculate a safe withdrawal rate during retirement. You can spend 4% of your retirement assets during the first year(s) of retirement. You adjust the withdrawal rate with the rate of inflation each year or your lifestyle during retirement.

Salary Replacement Needed

This is the percentage of your annual income before your retirement that you would need in order to sustain your retirement lifestyle. Most people would need between 60% and 100% of their annual income to be replaced through retirement assets. This percentage can be adjusted based on Social Security payments and the lifestyle you choose during retirement.

My Retirement Age

Other Retirement Assets

Projected Retirement at 68

My Balance


Spouse Balance




Needed per Year at Retirement


This is your annual income replacement needed during your retirement based on your inputs.

Needed per Month at Retirement


This is your monthly income replacement needed during your retirement based on your inputs.

Surplus per Month

This is your shortfall or surplus monthly replacement income during retirement without taking Social Security into account. You may want to create a financial strategy and/or adjust retirement savings rate to plan for and meet your monthly income replacement goal.