Project your nest egg, plan withdrawals, check if you're on track & compare contribution scenarios — all in one place.
| Metric | Conservative | Your Plan | Aggressive |
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| Year | Age | Annual Contribution | Annual Returns | Total Balance |
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This retirement calculator gives you a complete picture of your financial future. Enter your current age, target retirement age, existing savings, and monthly contributions to instantly see how much you'll have when you retire — and whether it's enough.
The 4% rule, developed from the Trinity Study, suggests that retirees can safely withdraw 4% of their nest egg annually for 30 years without running out of money — assuming a balanced portfolio. On a $1,000,000 nest egg, that's $40,000/year or $3,333/month. The Withdrawal tab shows how long your specific savings will last at 3%, 4%, and 5% withdrawal rates.
The "On Track?" tab compares your projected nest egg against the nest egg you actually need to generate your desired monthly income. Enter your target income (in today's dollars) and the calculator accounts for inflation to show your real purchasing-power gap — and exactly how much more you'd need to save each month to close it.
At 7% annual returns, a $1,000/month contribution starting at age 30 grows to over $1.8 million by age 65. Start at 40 and the same contribution yields about $810,000. The bar chart makes this vivid: returns accelerate dramatically in your 50s and 60s, often dwarfing your contributions. Starting even 5 years earlier can meaningfully boost your retirement wealth.