Retirement Calculator
Project your retirement nest egg based on current savings, monthly contributions, expected return, and retirement age. Estimates sustainable monthly income using the 4% safe withdrawal rule.
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About Retirement Calculator
The 4% rule
Based on the Trinity Study: withdrawing 4% of your portfolio in year 1, then adjusting for inflation each year, has historically lasted 30+ years across all rolling US market periods. Newer research suggests 3.5-4% for safer planning, especially for early retirement.
Inflation matters
A $2M nest egg in 35 years isn’t $2M in today’s money. At 3% inflation, $2M then ≈ $710k today. The "real value" line shows purchasing power in today’s dollars.
Tax-deferred vs taxable
Traditional 401(k)/IRA balances are pre-tax — withdrawals are taxed as income. Roth balances are after-tax — withdrawals are tax-free. The 4% rule applies to gross balances; net spendable income from traditional accounts will be lower after taxes.