Financial Calculators
Retirement Calculator
Enter your age, savings, contributions, and income goal. See your projected retirement nest egg, whether it lasts, and your inflation-adjusted monthly income.
Your Details
Investment & Income
During accumulation phase
During retirement (conservative)
In today's dollars
Savings Trajectory Chart
Projected Nest Egg
$1,381,802
At age 65 — 30 years away
Years to Retire
30 yrs
Inflation-Adj. Income
$12,136
/month needed
Nest Egg Lasts
12 yrs
Shortfall
$2,259,092
consider more savings
Savings Growth
| Age | Balance |
|---|---|
| 40 | $128,156 |
| 45 | $238,951 |
| 50 | $396,017 |
| 55 | $618,678 |
| 60 | $934,328 |
| 65 | $1,381,802 |
How much do I need to retire? The 25× rule
A common rule of thumb is the 25× rule: multiply your desired annual retirement income by 25. This is based on the 4% safe withdrawal rate — withdrawing 4% per year from a diversified portfolio historically lasts 30+ years. This calculator uses your inputs to project whether your nest egg will cover your needs.
What is the 4% withdrawal rule?
The 4% rule suggests you can withdraw 4% of your portfolio annually in retirement with a high probability of not outliving your money over a 30-year retirement. The calculator uses your "Withdrawal Return Rate" input as the portfolio return during retirement.
How does inflation affect retirement planning?
Inflation erodes purchasing power over time. $5,000/month today may need to be $8,000–$10,000/month in 25 years to maintain the same lifestyle. This calculator adjusts your income goal for inflation automatically using your specified inflation rate.