Question 1

How much will I have saved by retirement?

Accepted Answer

The calculator compounds your current savings plus monthly contributions at your expected return until your retirement age. Small monthly amounts grow substantially thanks to decades of compounding.

Question 2

What is the 4% rule?

Accepted Answer

It's a rule of thumb that you can withdraw about 4% of your retirement savings in the first year, adjusting for inflation after, with a good chance the money lasts around 30 years. The calculator uses it to estimate monthly income.

Question 3

What return rate should I assume?

Accepted Answer

Long-term projections often use a conservative 5–7% for a diversified portfolio, before inflation. Lower assumptions give a safer, more cautious estimate.

Question 4

Does starting earlier really matter that much?

Accepted Answer

Yes — because returns compound, contributions made in your twenties can grow far more than the same amounts added later. Starting early is usually more powerful than saving larger sums later on.

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