👴 Retirement Calculator
Are you on track to retire? Project your nest egg, see what changes get you to your goal, and find your retirement number — all in seconds.
How to Use This Calculator
- Enter Your Current Age — the earlier you start, the more compound interest works for you.
- Choose Retirement Age — 65-67 is traditional. Earlier retirement requires a bigger nest egg.
- Enter Current Savings — your total across 401k, IRA, brokerage, etc.
- Enter Monthly Contribution — include your contribution plus any employer match.
- Set Expected Return and Inflation — the calculator grows both your portfolio and your income target in future dollars.
- Enter Desired Income — how much annual income you want in retirement, expressed in today's dollars.
Example: The 30-Year-Old Planning Ahead
You are 30 years old, have $50,000 saved, contribute $1,000/month at 7% returns, expect 3% inflation, and want the equivalent of $60,000/year in retirement.
📈 The Projection
- At 65, projected nest egg: ~$2,376,000
- Inflation-adjusted target (4% rule): ~$4,221,000
- Status: behind target under these assumptions
- If you start at 40 with the same balances and contribution: only ~$1,096,000.
Why Use This Calculator?
Use the 4% rule to calculate your retirement target instantly.
Watch your nest egg grow over decades with compound returns.
See if there is a gap between where you are headed and where you need to be.
Calculator inputs stay on this device; advertising services may process separate usage data.
Common Mistakes
❌ Not accounting for inflation. If you need $60,000/year today, at 3% inflation you will need about $169,000/year in 35 years. The calculator adjusts the 4% target accordingly.
❌ Overestimating returns. A 10-12% annual return may be too optimistic for a diversified retirement portfolio. Test a range of conservative assumptions.
❌ Forgetting employer match. If your employer adds $300 to your $1,000 monthly contribution, enter the full $1,300. Always include the match in your monthly amount.