Calculyn

Retirement Calculator

Project your retirement savings and the income they could provide.

years
$
$

Results update as you type.

Your nest egg at retirement

$1,342,857
Monthly income (4% rule)
$4,476
Total contributions
$361,000
Growth
$981,857
  • Contributions27%
  • Growth73%
Your nest egg at retirement$1,342,857

Projections are hypothetical and not investment advice. Real returns vary year to year and can be negative.

Was this calculator helpful?

How it works

We project your savings forward with monthly contributions and compound growth, then estimate safe income using the 4% withdrawal rule.

Formula

Income = Nest egg × 4% ÷ 12

Example

Saving $800/month from 30 to 65 with $25,000 today at 6% grows to about $1.3 million.

Assumptions & limitations

  • A constant rate of return or inflation every year.
  • Excludes fees and taxes unless entered.
  • Contributions are made regularly and on time.

Frequently asked questions

What is the 4% rule?

A guideline suggesting you can withdraw 4% of your savings in the first year of retirement, adjusted for inflation, with low risk of running out over 30 years.