Finance Tools
Retirement Calculator
An all-in-one retirement calculator hub: estimate your target nest egg, income, and timeline — then jump to detailed retirement tools for savings, income, spending, FIRE, and 401(k).
Retirement Calculator
A retirement planning hub: estimate your future savings, target nest egg (based on a withdrawal rate), and a rough income projection — then use the related calculators to refine details.
Summary Results
Projected Savings at Retirement: $1,216,782
Target Nest Egg (spending ÷ withdrawal rate): $1,500,000
Gap (Target − Projected): $283,218
Income from Projected Savings (annual): $48,671
Income from Projected Savings (monthly): $4,056
Assumptions: return 6.0%, withdrawal 4.0%.
Related retirement tools
Use these calculators to refine each part of your plan:
- Retirement Savings Calculator — project future savings (growth + contributions)
- Retirement Income Calculator — estimate monthly/annual income from a portfolio
- Retirement Spending Calculator — estimate required spending or budget
- Early Retirement Calculator — years to target using contributions and returns
- FIRE Retirement Calculator — savings-rate driven FIRE timeline
- 401(k) Calculator — employer match + balance growth projection
How this retirement calculator works
This page combines two common retirement planning ideas: (1) projecting future savings using compound growth plus annual contributions, and (2) estimating a target portfolio (nest egg) by dividing desired spending by a withdrawal rate. It’s a simplified planning model.
FAQ
Is this inflation-adjusted?
No. Results are shown in nominal dollars. For a conservative view, reduce the return rate to approximate inflation-adjusted growth.
Does this include taxes?
No. Taxes depend on account type and location. Use tax-specific tools when you add the tax layer.
How to use this retirement calculator
- Enter your current savings and annual contribution.
- Set expected annual return and years until retirement.
- Enter desired annual retirement spending and withdrawal rate.
- Review estimated future savings and target nest egg.
- Use the related tools section to refine your plan.
Example
If you want $60,000/year in retirement and use a 4% withdrawal rate, your target nest egg is $1,500,000. If your projected savings reaches $1,200,000, you may be short by $300,000.
- Target nest egg = $60,000 ÷ 0.04 = $1,500,000
- Projected savings at retirement = $1,200,000
- Gap = $1,500,000 − $1,200,000 = $300,000
More tools in Finance Tools
- Retirement Income Calculator
Estimate retirement income from your portfolio using a withdrawal rate. See annual and monthly retirement income based on your retirement savings.
- Retirement Spending Calculator
Estimate how much retirement savings you need based on your planned retirement spending and a withdrawal rate. Compare required savings vs your current portfolio.
- Early Retirement Calculator
Estimate how many years until you can retire early based on your current savings, annual contributions, expected return, and target spending using a withdrawal rate.
- FIRE Retirement Calculator
Estimate your FIRE number and how many years it may take to reach financial independence based on income, expenses, savings rate, return rate, and a withdrawal rate.