Retirement Calculator

Estimate your nest egg by retirement age

Enter your current age, planned retirement age, savings, and contribution to project portfolio value and a simple withdrawal-based income estimate.

Example retirement calculator chart showing projected nest egg growth until retirement at default inputs — Example chart using this page’s default inputs. Adjust the calculator to update the live chart below.

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Current Age

Retirement Age

Current Retirement Savings ($)

Contribution ($)

Contribution timing

Expected Annual Return (%)

Compounding

Withdrawal Rate (%)

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Projected Nest Egg to Retirement

Contributions vs. Growth

Final Breakdown

                    Assumptions: Constant return until retirement. Compounding and contribution timing follow your selections above (defaults: annual compounding, end-of-period contributions). Income estimate uses a withdrawal rate (default 4%). Social Security and pensions are not included.
                    Projections are estimates only and not guaranteed returns or financial advice.
                

How This Calculator Works

We grow your current savings plus contributions until retirement age using your compounding and timing choices, then estimate annual income as nest egg × withdrawal rate.

Example

Age 35 with $80,000 saved, $800/month contributions, retiring at 65 at 7% average return can project a substantial nest egg — results vary widely.

FAQ

Is the 4% rule safe?

It is a common starting heuristic, not a guarantee. Personal circumstances differ.

What about Social Security?

This tool focuses on your portfolio. Add other income separately when planning.