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🌴 Retirement Calculator

A retirement calculator projects your total savings at retirement based on current age, retirement age, current balance, monthly contributions, and expected annual return. It then estimates the sustainable monthly income your nest egg can generate using the 4 percent safe withdrawal rule, showing years to retirement and total investment growth.

🇺🇸 Calculating for United States
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Retirement details

Projected nest egg at age 65

$1,015,810.37

Monthly retirement income: $3,386.03 (4% withdrawal rule)

Years to retire

30 yrs

Total contributions

$230,000.00

Investment growth

$785,810.37

Annual income

$40,632.41

Savings projection by age — contributions vs investment growth

$3,386.03/mo at a 4% withdrawal rate

Assumes 7% annual return. Past performance is not a guarantee. Consult a financial advisor.

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Frequently asked questions

How much do I need to retire?
A common rule of thumb is 25× your annual expenses (derived from the 4% rule). If you spend $50,000/year, you need $1.25M. However, individual needs vary significantly.
What is the 4% rule?
Research (the "Trinity Study") found that withdrawing 4% of your portfolio annually has historically lasted 30+ years with high probability, assuming a diversified stock/bond portfolio.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.