Retirement Calculator
How much will you have at retirement?
Inputs
$
$
%
$
Result
Nest Egg at Retirement$1,625,795.87
Years Savings Will LastIndefinitely
Total Contributions$410,000.00
About the Retirement Calculator
The Retirement Calculator projects the nest egg you'll have at retirement from your current savings, monthly contributions, expected return, and years until you retire.
Calculation method
Combines the future value of your current balance with the future value of ongoing contributions.
FV = Balance × (1+r)^n + PMT × ((1+r)^n − 1)/rHow to use this calculator
- Enter your current retirement balance and monthly contribution.
- Enter an expected annual return and years to retirement.
- Review the projected nest egg.
Example
A 35-year-old with $50,000 saved, contributing $800/month at 7% for 30 years, retires with about $1.29 million.
Frequently asked questions
How much do I need to retire?
The 25× rule suggests 25 times your desired annual spending — for $60,000/year, aim for $1.5M. Adjust for pension or Social Security income.
What's a safe withdrawal rate?
The 4% rule (start at 4% of the balance, adjust for inflation) has historically supported 30 years of retirement in the US.
Should I include Social Security?
Yes. Estimate benefits at ssa.gov and subtract them from your target spending to see the shortfall your savings need to cover.
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Consult a qualified professional for decisions specific to your situation.