Calculator
Retirement Calculator
Project your retirement nest egg, safe monthly income, and how long it lasts at your desired spend rate.
1. Your inputs
Results update instantly. Everything runs in your browser.
2. Your results
Projected nest egg at 65
$1,584,714
Safe monthly income (4% rule): $5,282/mo
Years until retirement
30 yrs
Total contributed
$363,000
Safe monthly income
$5,282
Income need
$5,000
Years covered at need
30 yrs
On track?
Yes
Savings growth to retirement
Retirement income sources
$1,584,714
Nest egg
- Contributions23%
$363,000
- Investment growth77%
$1,221,714
What does this mean?
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In plain English
Contributing $800/month at 7% return, you'd retire at 65 with a nest egg of about $1,584,714.
Under the 4% rule, that produces roughly $5,282 of safe monthly income. Your stated need is $5,000.
You're on track — keep the plan running.
Assumptions used
The math relies on these assumptions. Real-world numbers can vary.
- Constant return rate before and after retirement.
- Monthly contributions made until retirement age.
- No employer match modeled (add to monthly contribution if applicable).
- No tax adjustment on withdrawals.
- Inflation not applied — results are nominal.
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Frequently asked
What is the 4% rule?
A rule of thumb saying you can safely withdraw 4% of your retirement portfolio per year, adjusted for inflation, and have a high probability of not running out over 30 years.
Should I use pre-tax or after-tax dollars?
This calculator projects pre-tax balances. Traditional 401(k)/IRA balances will be taxed on withdrawal; Roth balances won't.
How do I pick a return rate?
For a diversified portfolio, historical long-term returns run around 6–8%. Use a lower number if you want a more conservative projection.
What happens if I retire earlier?
Shift the retirement age slider left — you'll see the nest egg shrink significantly. Every 5 years of lost compounding is enormous.
Should I include Social Security?
Not directly. Treat this as your private retirement pot; layer estimated Social Security on top as extra monthly income.
About the Retirement Calculator
This calculator projects two things: the size of your retirement portfolio at your target age, and how long that portfolio realistically lasts once you start drawing from it.
The most powerful variable is time. Every extra year of contributing beats every extra dollar of monthly contribution over any long horizon.
Treat the number as a directional target, not a promise. Rerun it once a year and adjust — retirement planning is a rolling process, not a one-time answer.
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These calculators are for education only and are not a substitute for personalized advice from a licensed professional. Read our full disclaimer.