Retirement Calculator
Find out if your savings will sustain the retirement you want.
Projected nest egg
$2,192,671.61
Sustainable income (4% rule)
$87,706.86
Surplus vs goal
$27,706.86
On track
Sustainable income uses the 4% safe-withdrawal-rate assumption. Estimate only; not financial advice.
What is the Retirement Calculator?
A retirement calculator estimates your projected nest egg and the sustainable annual income it can support, then compares it to your goal.
How the calculation works
Current savings and annual contributions grow at your expected return until retirement. Sustainable income is estimated with the 4% safe-withdrawal-rate rule, then compared to your desired income.
Example
At 30 with $50,000 saved, adding $12,000/year at 7% reaches a sizable nest egg by 65. At a 4% withdrawal rate that supports an annual income you can check against your $60,000 goal.
Tips
- Increasing contributions has the biggest impact when started early.
- The 4% rule is a guideline, not a guarantee — adjust for your situation.
- Account for Social Security and inflation in your real plan.
Limitations
Uses constant returns and the 4% rule; it does not model inflation, taxes, or Social Security directly.
Frequently asked questions
How much do I need to retire?
A common rule is 25× your desired annual spending, reflecting a 4% withdrawal rate.
What is the 4% rule?
A guideline that withdrawing about 4% of your savings in year one (adjusted for inflation) can last ~30 years.
Does this include Social Security?
No — add your estimated benefit separately to reduce the savings you need.
How does inflation affect this?
Inflation erodes purchasing power; results here are nominal, so plan for higher future costs.
When can I retire?
When your projected sustainable income meets or exceeds your desired spending — this tool shows the gap or surplus.
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Reviewed for the 2025 tax year
See our methodology, data sources, and editorial policy. Educational use only — not financial, tax, or investment advice (disclaimer).