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Retirement Calculator

Project your total nest egg and estimate your safe annual retirement income based on your current savings strategy.

Your Trajectory
Enter your age and current savings habits.
$
$
%
Total Nest Egg at Age 65
$2,016,151
Estimated Annual Income
$80,646
Based on the 4% Rule
Total Savings & Contributions
$386,000
Your own money
Growth by Age
AgeBalance
31$63,529
32$78,035
33$93,590
34$110,270
35$128,156
36$147,334
37$167,899
38$189,950
39$213,596
40$238,951
41$266,139
42$295,292
43$326,553
44$360,073
45$396,017
46$434,559
47$475,888
48$520,204
49$567,723
50$618,678
51$673,317
52$731,905
53$794,728
54$862,093
55$934,328
56$1,011,785
57$1,094,841
58$1,183,901
59$1,279,400
60$1,381,802
61$1,491,606
62$1,609,349
63$1,735,603
64$1,870,984
65$2,016,151
Table of Contents
Understanding Retirement Math

To safely retire, you need to save enough money so that the annual interest/growth of your investments is equal to your living expenses.

What is the 4% Rule?

The "4% Rule" is a widely adopted rule of thumb based on historical stock market data. It states that you can safely withdraw 4% of your total retirement portfolio every single year, adjust it for inflation, and have an extremely high probability of never running out of money over a 30-year retirement.

  • Example: If you have $1,000,000 saved for retirement, the 4% rule suggests you can safely withdraw $40,000 in your first year of retirement to live on.
  • Reverse Engineering: To figure out your goal nest egg, take your desired annual retirement income and multiply it by 25. If you want $60,000 a year, you need ($60,000 x 25) = $1,500,000 saved up.
Frequently Asked Questions

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