Retirement Calculator
Project your nest egg and retirement income
Planning for retirement? Enter your age, current savings and monthly contributions to project the nest egg you'll have — and the monthly income it could provide.
Two levers: time and contributions
Your nest egg is driven by how long your money compounds and how much you add along the way. Starting even a few years earlier can outweigh much larger contributions later. The 4% rule is a common rule of thumb for turning a nest egg into income: you can withdraw about 4% of it per year, so a $1,000,000 portfolio supports roughly $40,000 a year (about $3,300/month).
Estimate only — returns vary and aren't guaranteed. This isn't financial advice.
Retirement Calculator: frequently asked questions
How much do I need to retire?
A common benchmark is about 25× your annual spending, reflecting the 4% withdrawal rule. If you need $40,000 a year, that's roughly $1,000,000.
What return should I assume for retirement?
Many planners use 6–7% for a long-term diversified portfolio, but returns vary year to year and aren't guaranteed.