Planning · Retirement
Are you on track for retirement?
See your projected nest egg, what monthly income it can sustain, and how much more you may need to save to hit your target.
Projection
Years until retirement-
Nest egg at retirement-
Sustainable monthly income-
Target monthly income (inflation-adjusted)-
How it works
We grow your savings plus monthly contributions at your expected return to retirement. Then we compute a sustainable monthly withdrawal over your retirement years using a real (inflation-adjusted) rate, so your purchasing power lasts.
Income path to retirement
Retirement — frequently asked questions
How much do I need to retire?
A common benchmark is 25× your desired annual expenses — the inverse of the "4% rule." If you want 60,000/year in today's dollars, you'll need roughly 1.5M at retirement in today's money. Our calculator adjusts for your expected inflation so the target is honest.
What is the 4% rule?
It's a research-backed guideline that suggests you can withdraw 4% of your retirement portfolio in year one, then adjust for inflation each year, with a high probability of the money lasting 30+ years. It's a rule of thumb — not a guarantee — and assumes a diversified portfolio.
Does this calculator include Social Security or pensions?
No. It models only your personal savings and investments. Add any guaranteed income streams (Social Security, pension, annuities) separately and reduce your target monthly income accordingly.
Financial guides to go deeper
Short, practical reads that pair with our calculators.
Compound Interest vs. Loan Interest
Why the same force that builds wealth also keeps debt spiraling.
HomeRent vs. Buy: A Complete Financial Decision Guide
Hidden costs, opportunity cost, and the true break-even point of buying a home.
LoansThe Surprising Power of Extra Payments
Real numbers on how $50–$200 extra per month reshapes any long-term loan.