Retirement Savings Calculator
Project your retirement nest egg and monthly income from savings, contributions, returns, and a safe withdrawal rate.
In today’s dollars
Default 4% rule
Result
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Enter ages and savings, then click Calculate.
Accumulation uses end-of-month contributions with monthly compounding. Income combines portfolio withdrawal (default 4% rule) plus Social Security.
Current age, retirement age, and optional life expectancy.
Include employer match when available.
Defaults: 7% return, 3% inflation, 4% withdrawal.
Compare to desired spending to see any gap.
Optional $250 employer match and $2,000 Social Security.
Nest egg roughly $700k–$900k (illustrative); income depends on withdrawal rate and SS.
Ignoring inflation
Fix: Review the nest egg in today’s dollars.
Overly optimistic returns
Fix: Start near 7% and stress-test lower rates.
Project your retirement nest egg and monthly income from savings, contributions, returns, and a safe withdrawal rate.
In today’s dollars
Default 4% rule
Result
—
Enter ages and savings, then click Calculate.