Retirement Savings Calculator
Project your nest egg at retirement, then see how long it lasts once you start drawing it down.
How it works
- 1
Enter your current numbers
Your current age, target retirement age, existing savings, and how much you contribute monthly.
- 2
Set your expected returns
Pick a realistic annual return for the years you're still contributing (pre-retirement) and a typically more conservative return for the drawdown years.
- 3
We project your nest egg
Your savings compound monthly with your contributions, just like our Compound Interest Calculator, projected out to your retirement age.
- 4
See how long it lasts
Tell us your desired monthly income in retirement, and we simulate withdrawing it every month against your remaining balance's ongoing growth — showing whether it lasts indefinitely or runs out, and around what age.
Frequently asked questions
What return rate should I use?+
A common starting point is 6–8% annually for a diversified stock-heavy portfolio while you're still contributing, and 3–5% for a more conservative, income-focused portfolio in retirement. Adjust based on your actual asset allocation and risk tolerance.
Why does my balance sometimes "last indefinitely"?+
If your expected retirement-phase investment growth each month is greater than or equal to your monthly withdrawal, the balance never shrinks to zero — you're effectively living off the returns rather than depleting the principal.
Does this account for inflation?+
Not directly. To account for inflation, use a lower "real" (inflation-adjusted) return rate for both phases, and think of your desired monthly income in today's purchasing power rather than future dollars.
Does this include Social Security, pensions, or other income?+
No — this models only the savings and contributions you enter. If you expect other retirement income, reduce your "desired monthly income" input by that amount to see how much your personal savings alone need to cover.