🏖️ Calculator Tools

Retirement Calculator

Project your nest egg at retirement, the income it can sustain, and how long it lasts against your target spending.

Your plan

Nest egg at 65

$1,188,181

4% rule income

$3,961/mo

Years of saving

35

Will it last?

At $4,000/month, growth outpaces withdrawals — the nest egg is effectively self-sustaining. 🎉

Figures are nominal (not inflation-adjusted) and educational only — not financial advice.

About this calculator

Answer the only two retirement questions that matter

Retirement planning collapses into two questions: how big will my savings grow by the day I stop working, and how long will that pile last once I start spending it? This calculator answers both with a month-by-month simulation — an accumulation phase compounding your current savings plus contributions at your pre-retirement return, then a drawdown phase where your target spending is withdrawn while the remainder keeps growing at a (typically lower) post-retirement return.

It also shows the classic 4% rule for context: the guideline that withdrawing 4% of your starting nest egg per year, adjusted for inflation, has historically survived 30-year retirements. Compare the 4%-rule income against your target spend — if your target is far above it, the drawdown panel will show the shortfall as a concrete run-out age rather than an abstraction.

100% freeNo sign-up4% rule built inPrivate — runs locally
How to use it
  1. 1Enter your current age, intended retirement age, and what you have saved so far.
  2. 2Set a realistic monthly contribution — the slider makes scenario testing effortless.
  3. 3Pick return assumptions: commonly ~7% before retirement (growth portfolio) and ~5% after (more conservative mix).
  4. 4Set your target monthly spending in retirement and read the verdict: nest egg, 4%-rule income, and how long the money lasts.
What it models
  • Monthly compounding through the accumulation years
  • Separate pre- and post-retirement return rates
  • Month-by-month drawdown against your target spending
  • 4% rule sustainable-income benchmark
  • Run-out age — or confirmation the fund is self-sustaining
  • Instant recalculation for what-if scenarios

Frequently asked questions

What is the 4% rule?
A guideline from historical US market studies: withdraw 4% of your nest egg in year one and adjust for inflation annually, and a balanced portfolio has survived at least 30 years in almost every historical period. It is a benchmark, not a guarantee — many planners now test 3–3.5% for longer retirements.
How much do I need to retire?
A quick estimate is 25× your desired annual spending (the 4% rule inverted). Spending $48,000 a year suggests a ~$1.2M target. The calculator refines this with your own timeline, contributions and return assumptions.
What return rates should I use?
Long-run diversified stock portfolios have averaged ~7–10% nominal; a common planning pair is 7% while accumulating and 4–5% in retirement when portfolios shift conservative. Test pessimistic values too — plans that only work at 10% are not plans.
Does this include inflation, pensions or social security?
Results are nominal and exclude state pensions or social security. A common adjustment: subtract expected inflation (~2–3%) from both return rates to think in today's money, and subtract any guaranteed pension income from your target monthly spend.
Is my information stored?
No — the simulation runs entirely in your browser. Nothing is uploaded or saved, and this tool is educational rather than financial advice.
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Full guide

How Much Do You Need to Retire? — Complete Guide

The 25× and 4% rules, milestones by age, and drawdown math with reproducible numbers.

The 25× and 4% rulesMilestones by ageDrawdown & run-out age

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