Pension Calculator — Contribution Growth Projection & 4% Rule
Project your pension balance from now through retirement. See your projected balance, inflation-adjusted value, and 4% Rule monthly payout with a free PDF.
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Projected Pension Balance at Age 65
▲ $1,048,698
Total Contributions (including starting balance)
$280,000
Total Investment Growth
▲ $768,698
Growth as % of Final Balance
▲ 73.3%
Estimated Monthly Payout (4% Rule)
▲ $3,495.66/mo
Annual Growth Rate Used
6.00%
Projection Period
30 years (Age 35 → 65)
Scenario Comparison
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Balance Over Time
$500/mo contribution at 6.00% annual growth
Year-by-Year Projection
| Year | Age | Start Balance | Contributions | Growth | End Balance |
|---|---|---|---|---|---|
| 1 | 36 | $100,000 | $6,000 | $6,000 | $112,000 |
| 4 | 39 | $138,203 | $6,000 | $8,292 | $152,495 |
| 7 | 42 | $183,704 | $6,000 | $11,022 | $200,726 |
| 10 | 45 | $237,896 | $6,000 | $14,274 | $258,170 |
| 13 | 48 | $302,439 | $6,000 | $18,146 | $326,586 |
| 16 | 51 | $379,312 | $6,000 | $22,759 | $408,070 |
| 19 | 54 | $470,868 | $6,000 | $28,252 | $505,120 |
| 22 | 57 | $579,913 | $6,000 | $34,795 | $620,707 |
| 25 | 60 | $709,787 | $6,000 | $42,587 | $758,374 |
| 28 | 63 | $864,469 | $6,000 | $51,868 | $922,337 |
| 30 | 65 | $983,678 | $6,000 | $59,021 | $1,048,698 |
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