Retirement Calculator
Project your retirement nest egg: current savings, monthly contribution, growth rate and retirement age. See how long the money lasts.
About this tool
This retirement calculator projects the size of your nest egg at retirement age from your current savings, monthly contributions and expected return, then it simulates how long that fund lasts against your planned monthly expenses.
Two levers dominate the outcome: the monthly contribution and the years of compounding. The tool makes the trade-off explicit — retiring five years later or saving $100 more per month can add several years of funded retirement.
FAQ
How much do I need to retire?
A common rule of thumb is 25x your annual spending (the 4% rule). This calculator shows the projection-adjusted number for your own schedule.
What return should I assume?
Historically, a diversified stock portfolio returned 7–10% nominal. Use 7% for a conservative projection in real terms.
Why does contribution timing matter?
Earlier contributions compound longer. Two years of delay at 22 years old can cost more than double the amount later in life.