Enter your current age, target retirement age, existing savings, monthly contributions, expected market return, and desired monthly retirement income to calculate your projected nest egg and savings surplus or shortfall.
How to use this calculator
Enter your current age and your planned retirement age.
Enter your existing retirement portfolio balance across 401(k), IRA, and brokerage accounts.
Enter how much cash you save and invest every month.
Set your expected annual investment return (historically 7% to 10% for stock market index funds).
Read your total projected retirement nest egg at age 65 and sustainable monthly income based on the 4% rule.
Future Value = Savings × (1+r)^n + Contribution × [ ((1+r)^n − 1) / r ] · Target Nest Egg = (Desired Monthly Income × 12) ÷ 0.04
r = monthly return rate, n = total compounding months until retirement age.
Example
Age 30 to 65 (35 yrs) with $50,000 initial + $500/mo @ 7% return → Projected Nest Egg: $1,407,242 (Generates $4,691/mo sustainable 4% income).
Key insights
The 4% Rule states that withdrawing 4% of your total portfolio in your first year of retirement (adjusted for inflation thereafter) provides a 95% probability of lasting 30 years.
Compounding returns mean money invested in your 20s and 30s grows 5x to 10x larger than money saved in your 50s.
Employer 401(k) matching contributions provide an instant 50% to 100% return on your saved dollars.
Increasing your monthly contribution by just $100/mo over 30 years adds ~$120,000+ to your final retirement balance at a 7% return.
How to interpret your result
Projected Retirement Nest Egg
The total expected portfolio value accumulated by your target retirement age.
Sustainable Monthly Income (4% Rule)
The safe monthly income you can withdraw without depleting your core investment principal.
Target Nest Egg Required
The portfolio size needed to generate your desired monthly lifestyle income in retirement.
Frequently asked questions
What is the 4% rule in retirement planning?
The 4% rule is a guideline indicating that retirees can safely withdraw 4% of their total portfolio in year one, adjusting for inflation annually, for 30 years without running out of money.
How much money do I need to retire comfortably?
Most financial advisors recommend accumulating 10x to 12x your peak annual salary, or 25x your annual retirement expenses.
Should I include Social Security in my retirement calculations?
Social Security provides supplemental income; you can subtract expected Social Security benefits from your desired monthly income to calculate your net portfolio target.