Retirement Calculator
Project your retirement nest egg and see if you're on track for the income you want.
How to use the Retirement Calculator
Enter your age, retirement age, current savings, monthly contributions and expected return. The calculator compares your projected nest egg to the amount needed to fund your target income using a safe-withdrawal rate.
Formula
Target nest egg = Desired annual income ÷ Withdrawal rate
Worked example
Wanting $60,000 a year at a 4% withdrawal rate requires a nest egg of about $1.5 million.
Frequently asked questions
What is the 4% rule?
A rule of thumb suggesting you can withdraw about 4% of your portfolio in the first year of retirement, adjusting for inflation after, with a low chance of running out over 30 years.
Should I include pensions or social security?
Yes — subtract guaranteed income from your desired income before calculating the nest egg you need.
What return should I assume?
Many planners use 5–7% before retirement for diversified portfolios; lower is more conservative.
Results are estimates for educational and planning purposes. Always confirm important financial, health or legal decisions with a qualified professional. Last reviewed 2026-09-27.