Retirement Calculator

Project your nest egg from your current savings, monthly contributions and expected return, and see roughly what income it could support.

Estimate the savings you will have at retirement and the income it could support. Enter your age, planned retirement age, current balance, monthly contributions and an expected return to project your nest egg.

Read the guide: How to Estimate What You'll Have at Retirement

About you

Nest egg at 65

$1,368,287

In 35 years · about $4,561/mo income at 4%

You contribute
$277,000
Investment growth
$1,091,287

Nest egg

$1,368,287

  • Contributions20%
  • Growth80%

The 4% guideline is a rough planning rule, not a guarantee. Returns and inflation vary. Estimates only, not financial advice.

How it works

  1. 1

    Tell us about you

    Enter your age now and the age you plan to retire.

  2. 2

    Add your savings

    Put in what you have saved and how much you add each month.

  3. 3

    See your nest egg

    View the projected balance at retirement and an income estimate from it.

Instant & 100% private — nothing is uploaded

Every calculation runs locally in your browser. The income, balances and goals you enter stay on your own device and are never sent to a server — nothing is stored, logged or shared.

Frequently asked questions

What is the 4% guideline?
A common rule of thumb suggests withdrawing about 4% of your savings in the first year of retirement as a starting point for sustainable income. It is a guide, not a guarantee.
Should I include employer matching?
If your employer matches contributions, add that to your monthly figure. It is free money that compounds alongside your own deposits.
Does this account for inflation?
The projection is in today’s growth terms. Remember that prices rise over time, so a future balance buys less than the same amount would today.

Important

For information and planning only — not financial, tax or legal advice. These figures are estimates; rates, fees and rules vary, so confirm anything that affects a real decision with a qualified professional or the official source.

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