Financial

Retirement Calculator

Plan how much you need to retire comfortably using the 4% rule.

Current age

Retire at

Current savings

Monthly contribution

Return (%)

Annual need

Projected nest egg

$1,728,497

Target (4% rule)$1,500,000

Surplus / Shortfall$228,497

Method

How it works

Nest egg = current(1+r)ⁿ + contributions FV. Target ≈ annual spending × 25 (4% rule).

We project your portfolio to your retirement age and compare it to the classic 4% safe-withdrawal target.

FAQ

Is the 4% rule reliable?

It's a historical guideline based on 30-year U.S. retirement horizons. Longer horizons or lower expected returns may warrant 3.3–3.5%.

Should I include Social Security?

This tool doesn't. Subtract expected Social Security income from your annual spending need to size the portfolio you truly need.

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