🏖️ Retirement Planning

Retirement Calculator

Find out if you're on track to retire comfortably. Calculate your retirement nest egg, monthly income, and how long your savings will last.

Retirement Details

Enter your current situation and goals

💰 Current Savings
$
$
%
%
🎯 Retirement Goals
$
$
%
Projected Nest Egg
$—
At retirement age
Nest Egg Needed
$—
Years to Retire
—
Retirement Duration
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Monthly Retirement Income
—
Savings Status
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Years Until Retirement—
Years in Retirement—
Projected Nest Egg at Retirement—
Required Nest Egg—
Surplus / Shortfall—
Monthly Income from Savings—

About the Retirement Calculator

This retirement planning calculator helps you see if your current savings rate will fund a comfortable retirement. It accounts for your savings growth rate before retirement, a lower conservative return during retirement (as your portfolio shifts to bonds), inflation, Social Security income, and your desired annual spending. The chart shows your projected portfolio through retirement so you can see if it will last your full retirement.

FAQ

How much do I need to retire?
A common rule is the 4% rule: you need 25× your annual expenses. If you need $60,000/year, save $1.5M. This lets you withdraw 4% annually with a high probability of the money lasting 30 years.
What is a nest egg?
A nest egg is the total savings and investments you accumulate before retirement that will fund your living expenses in retirement. It includes 401(k), IRA, and other investment accounts.
What if my nest egg falls short?
Increase contributions, work a few extra years, reduce desired retirement spending, or consider part-time work in early retirement. Even 2 extra years of saving can make a significant difference.
Should I include Social Security?
Yes. Social Security provides reliable income and should be part of your retirement planning. You can get your estimated benefit from the Social Security Administration website (ssa.gov).