Retirement Savings Calculator
Projected nest egg and the income it can support.
Enter your values
ⓘ Live results
Results
- Projected balance at retirement
- $1,665,879.08
- Safe annual income (4% rule)
- $66,635.16
- Safe monthly income
- $5,552.93
- Total you will contribute
- $373,000.00
Quick answer
A retirement projection compounds current savings plus contributions to your retirement age, then applies a safe withdrawal rate of about 4%.
How to use the Retirement Savings Calculator
- 1Enter your age, target retirement age and current savings.
- 2Add your monthly contribution and expected return.
- 3Read the projected balance and income.
Worked example
Using the values the calculator loads with:
Inputs
- Current age35 years
- Retirement age65 years
- Current retirement savings85000 $
- Monthly contribution800 $
- Expected annual return7 %
Results
- Projected balance at retirement$1,665,879.08
- Safe annual income (4% rule)$66,635.16
- Safe monthly income$5,552.93
- Total you will contribute$373,000.00
Frequently asked questions
What is the 4% rule?
A guideline that withdrawing 4% of your balance in year one, then adjusting for inflation, has historically lasted 30 years.
Does this account for inflation?
No. Use a real return (nominal minus about 3%) if you want the result in today's purchasing power.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.