Retirement Calculator
Project your retirement corpus and the monthly income it could provide.
Your details
35 years until retirement
Annual % drawn in retirement (4% is a common rule of thumb)
Nest egg at age 65
$1,188,181
Est. monthly income
$3,961
at 4% withdrawal
- Total contributed$235,000
- Investment growth$953,181
- Years to grow
- 35
- Total contributed
- $235,000
- Investment growth
- $953,181
- Nest egg
- $1,188,181
Growth to retirement
Your contributions plus compounding investment growth, year by year.
Yearly projection
| Year | Age | Contributed | Balance |
|---|---|---|---|
| 1 | 31 | $31,000 | $33,004 |
| 2 | 32 | $37,000 | $41,586 |
| 3 | 33 | $43,000 | $50,788 |
| 4 | 34 | $49,000 | $60,656 |
| 5 | 35 | $55,000 | $71,237 |
| 6 | 36 | $61,000 | $82,583 |
| 7 | 37 | $67,000 | $94,749 |
| 8 | 38 | $73,000 | $107,795 |
| 9 | 39 | $79,000 | $121,784 |
| 10 | 40 | $85,000 | $136,784 |
About the Retirement Calculator
A retirement calculator projects how much you could have saved by the time you retire, and roughly how much monthly income that nest egg could provide. Enter your age, target retirement age, current savings, monthly contributions and an expected return, and it compounds everything forward to your retirement date.
Time is your most powerful asset: because returns compound, contributions made in your 20s and 30s can grow far more than the same amount saved later. The estimated monthly income uses a withdrawal rate — the 4% “rule of thumb” suggests you can withdraw about 4% of your savings in the first year of retirement with a good chance of not running out, though the right figure depends on your situation.
This is a planning estimate, not a guarantee. It doesn't model inflation, taxes or market volatility in detail — treat it as a starting point and revisit it regularly.
Frequently asked questions
How much do I need to retire?
A common guideline is to aim for savings that replace 70–80% of your pre-retirement income. Using the 4% rule, that often means a nest egg of roughly 25× your desired annual spending. This calculator projects your nest egg so you can compare it against your target.
What is the 4% rule?
The 4% rule suggests retirees can withdraw about 4% of their savings in the first year, then adjust for inflation, with a reasonable chance the money lasts around 30 years. It's a rough planning heuristic, not a guarantee — lower the withdrawal rate to be more conservative.
What return rate should I assume?
Use a realistic long-term average for your investment mix. Many planners use roughly 6–8% before inflation for a diversified portfolio, then a lower figure for safety. Returns aren't guaranteed, so test a few scenarios.
Does this account for inflation and taxes?
No. The projection shows nominal values before tax and without adjusting for inflation, so your future purchasing power will be lower than the headline figure. Factor those in when planning, and consider professional advice.
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