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Retirement Calculator

Find out how much you need to retire comfortably using the 4% rule. Project your nest egg, see if you're on track, and get a personalized gap analysis.

Your situation

Pre-retirement portfolio growth

What you'd need to live on per year

4% is the classic Trinity Study rule

US historical avg ≈ 3%

On-track analysis
Progress toward retirement goal28.2%
$1,188,181
Projected nest egg
$4,220,794
Required nest egg
$168,832
Annual need at age 65
$3,032,613
Shortfall
Contribute for 52 yr 5 mo more, or increase your monthly contribution by $1,684/mo to hit your goal.
If you retire on schedule
$47,527
Safe annual withdrawal
$3,961
Safe monthly withdrawal
72 years
Money lasts (with inflation)

With the 4% rule, you withdraw 4% of your starting nest egg each year (adjusted for inflation). Historically, this has sustained a 30-year retirement in >95% of market scenarios.

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