Retirement Calculator
Project your retirement nest egg from your current savings, monthly contributions, expected return, and years until retirement, plus an estimated yearly income at a 4% withdrawal rate.
Nest egg at retirement
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Show the math
Your savings compound while monthly contributions are added:
FV = P(1 + i)n + PMT · ((1 + i)n − 1) / i
Growth runs from now until your retirement age. The 4% rule estimates a sustainable first-year retirement income as 4% of the nest egg, a rough guide, not a guarantee. Returns are assumed steady; real markets vary, so try several rates to see a range of outcomes.
What this does
A retirement calculator projects your nest egg from your current savings, monthly contributions, expected return, and years until retirement. It also estimates a yearly retirement income using a 4% withdrawal rate.
How to use it
- Enter your current retirement savings.
- Enter your monthly contribution and expected return.
- Enter the years until you retire.
- Read your projected nest egg and estimated yearly income.
How it works
Your current savings grow at the expected return while monthly contributions are added and compounded over the years until retirement. The result splits the total into contributions versus investment growth.
Understanding your result
The 4% rule is a common starting point for sustainable withdrawals, not a guarantee. Your safe rate depends on markets, longevity, and spending, so test a range of returns.
Example
$100,000 today plus $800 a month at a 6% return over 25 years grows to roughly $1 million, which a 4% withdrawal turns into about $40,000 of first-year income.
Sources & methodology
- U.S. SEC Investor.gov, Investing Basics, Risk, return, and diversification
- U.S. SEC Investor.gov, Compound Interest Calculator, How long-term savings compound
Last updated .
Frequently asked questions
How is my nest egg projected?
Your current savings grow at the expected return while your monthly contributions are added and compounded over the years until retirement. The result splits the total into contributions versus investment growth.
What is the 4% rule?
A common rule of thumb suggests withdrawing about 4% of your nest egg in the first year of retirement as a sustainable starting income. This tool shows that estimate; your real safe rate depends on markets and longevity.
What return should I assume?
Long-run diversified stock-and-bond portfolios have historically returned roughly 5–8% before inflation, but past performance is no guarantee. Try a few rates to see a range of outcomes.
Is my information saved?
No. Everything runs locally in your browser and nothing is uploaded.
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