Projection 4% withdrawal Contribution solver
Plan Your Retirement, Clearly
Project your portfolio to retirement, compare with the spending you want, and see the gap— plus the monthly saving to close it.
Inputs
Quick reference
Withdrawal rate: 4% is a simple starting point—adjust for risk and horizon.
Real vs nominal: spending is inflated to retirement dollars from your inflation input.
Sequence risk: early bad returns near retirement hurt—keep a buffer and review.
Educational tool only. For Social Security, use the SSA estimator.
- Model pensions/SS as “Other retirement income”.
- Prefer conservative returns and realistic inflation.
- Bump contributions yearly with raises/bonuses.
- Diversify; keep some cash buffer around retirement.
Results
Projected portfolio @ retirement
$1,217,236.49
Required nest egg (your withdrawal %)
$2,512,533.52
Funded ratio
48%
Shortfall at current path
What this means
Your target spending (per year, at retirement prices)
$100,501.34
Minus other income (pension / Social Security)
$0.00
= From your portfolio each year
$100,501.34
At a 4.00% withdrawal rate, you’ll need
$2,512,533.52
On your current path at retirement
$1,217,236.49
Shortfall (you’re under the target by)
$1,295,297.02
Save this extra each month to close the gap
$1,654.19
Your path to retirement
Blue = contributions+current; Violet = growth; dashed = required nest egg.
Inflation-adjusted targetFV of seriesFunded-ratio
Outcomes depend on returns and timing; review periodically and keep flexibility around retirement.