Retirement Savings Calculator
Project your retirement nest egg, see if you'll hit your target, and find out your monthly sustainable income using the 4% rule.
How Much Do You Need for Retirement?
The most widely used retirement target is the 25x rule: multiply your expected annual expenses in retirement by 25. This is derived from the 4% rule, which states you can safely withdraw 4% of your portfolio annually without depleting it over a 30-year retirement.
For example, if you plan to spend $60,000 per year in retirement, you need $1.5 million ($60,000 x 25). With $1.5M invested, a 4% withdrawal is $60,000 — and historically, this rate has survived every 30-year period in U.S. market history.
The 4% rule assumes a diversified portfolio (roughly 60% stocks, 40% bonds) and 30 years in retirement. If you plan to retire early or want more safety margin, consider targeting a 3-3.5% withdrawal rate (28-33x expenses).
This calculator shows your projected nest egg at retirement based on current savings, monthly contributions, and expected returns. Compare that to your target to see if you're on track — and if not, what changes would close the gap.