Retirement Calculator
See what your retirement savings could grow into. Enter your age, your target retirement age, what you have saved, what you add each month, and the return you expect — the result shows your projected nest egg and what it could pay you each month. The result updates as you type.
Your retirement plan
Your projection
Enter your ages, savings, contribution and return to see the result.
How the Retirement Math Works
Two kinds of growth are added together. Your current savings compound: the starting amount times one plus the monthly rate to the power of the number of months. Your monthly contributions compound too: each deposit times one plus the monthly rate to the power of the months remaining, added up across all deposits. The monthly retirement income uses the 4% rule: withdrawing 4% of the nest egg per year, divided by 12, which research suggests a balanced portfolio can often sustain for a 30-year retirement.
Frequently Asked Questions
What is the 4% rule?
It is a rule of thumb that you can withdraw 4% of your savings in the first year of retirement, then adjust that amount for inflation each year after, with a good chance the money lasts 30 years. It is a planning guide, not a guarantee — market crashes early in retirement can change the picture.
What difference does starting later make?
A large one, because compounding needs time. Try changing the current age from 30 to 40 with the same contribution and watch the nest egg fall — the lost decade costs far more than the missed deposits alone.
Does this include Social Security or taxes?
No. Add any expected Social Security or pension income on top of the monthly figure here, and remember withdrawals from traditional retirement accounts are generally taxed as income.