Retirement Savings Calculator
Project where your retirement savings are headed. Enter what you've saved, your monthly contribution, expected return, and years to retirement to see your nest egg and the income it could produce.
Projected nest egg
How you compare
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Check it outBuilding the nest egg
Your balance compounds monthly on both savings and contributions. At retirement, the '4% rule' is a common rule of thumb for how much you can withdraw annually with low risk of running out — so a $1,000,000 nest egg suggests roughly $40,000 a year. Returns aren't guaranteed and inflation erodes buying power, so revisit the plan regularly.
How it’s calculated
Savings and contributions compound monthly to retirement; annual income then applies the 4% withdrawal rule.
Results update as you type and are estimates, not professional advice — verify important decisions with a qualified professional.
Worked example
$50k now plus $500/month at 7% for 30 years grows to about $1.02M, or ~$40,600/year at a 4% withdrawal.
Common mistakes
- Using an aggressive return and ignoring inflation.
- Forgetting taxes on traditional account withdrawals.
Where it is used
- Projecting whether you are on track to retire.
- Testing how contribution changes move the number.
Frequently asked questions
What is the 4% rule?
A guideline suggesting you can withdraw about 4% of your portfolio in year one (adjusted for inflation after) with a good chance it lasts 30 years.
What return should I use?
Be realistic and conservative. Long-run diversified returns vary, and sequence-of-returns risk matters near retirement.
Does this account for inflation?
No — results are in nominal dollars. Reduce the return by your inflation assumption to think in today's dollars.
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