Retirement Calculator
Project your retirement savings and see if your nest egg will cover your monthly needs. Uses the 4% safe withdrawal rule to estimate sustainable monthly income.
Please enter valid values.
How to use
- Enter your current age, target retirement age, current savings and monthly contribution.
- Enter your expected annual return rate and your desired monthly income in retirement.
- Click Calculate to see your projected nest egg, monthly draw and whether you are on track.
Frequently asked questions
What is the 4% rule?
The 4% rule states that you can withdraw 4% of your retirement portfolio annually (adjusted for inflation) and have a high probability of not running out of money over a 30-year retirement. Monthly draw = nest egg × 4% ÷ 12.
What return rate should I use?
Historical stock market returns average about 7% annually after inflation. For a conservative estimate, use 5–6%. For a mixed portfolio (stocks and bonds), 4–6% is common.
Does this include Social Security or pension?
No. Add your expected Social Security or pension income to the monthly draw to get your total retirement income.
Is this financial advice?
No. This is a projection tool based on simplified assumptions. Actual returns vary, and retirement planning involves many factors. Consult a certified financial planner.