Free Retirement Calculator
Enter your current age, retirement age, savings so far, monthly contribution and expected return to project your nest egg — with total contributions, growth from returns, and a 4%-rule monthly income estimate.
How to Use the Retirement Calculator
- Enter your current and retirement ages.
- Enter current savings, monthly contribution and expected return.
- Click Project Retirement for your nest egg estimate.
Features
Compounds monthly: existing savings grow untouched while each contribution compounds from its deposit month. The 4% rule translates the final sum into sustainable monthly income.
Benefits & Use Cases
Savers test whether they’re on track, compare contribution levels, and see the cost of delaying — starting ten years later often means doubling monthly savings.
Tips
Returns are assumed steady; real markets zigzag. Revisit yearly and nudge contributions with each raise — lifestyle inflation is the silent killer.
Frequently Asked Questions
How much do I need to retire?
A common rule: 25× your annual spending (the 4% rule). Your target depends on lifestyle and other income.
What return should I assume?
Many planners use 6–7% nominal for stock-heavy portfolios; use conservative numbers for safety margins.
Does it account for inflation?
No — results are in future nominal dollars. Mentally discount ~2–3% yearly for today’s purchasing power.
What is the 4% rule?
Withdrawing ~4% of savings yearly has historically lasted 30 years — the tool shows this as monthly income.
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