Projected nest egg
$3.39MAt age 65Retirement Calculator
Estimate retirement savings, projected nest egg, savings gaps, retirement income coverage, longevity risk, and FIRE or early-retirement timelines.
Retirement planning
Retirement Calculator
Estimate retirement savings, future nest egg, income coverage, portfolio drawdown, and FIRE timeline using your own assumptions.
Savings plannerEstimate whether your current savings and contributions may support your target retirement income.
Retirement readinessYou are close to the modeled target, but a higher contribution, later retirement age, or lower income goal may improve the plan.
Modeled savings needed
$4.17MGap: -$773,496Years to retirement30
Years in retirement25
Total contributions$973,634
Investment growth$2.34M
Required monthly contribution$2,056
Future annual income goal$194,181
Monthly retirement income$16,182
Money lasts untilAge 84
Longevity coverage
76.0%Portfolio depletes around age 84 in this model.What-if scenarios
If you save 500 more per month+$696,107 at retirement
If you retire 5 years later$5.02M
If returns are 1% lower-$574,652 vs current projection
If inflation is 4%$2.07M more needed
Monthly contribution needed to be fully funded$2,056
Accumulation and drawdown projection
| Age | Contribution | Start balance | Phase | Withdrawal | End balance |
|---|---|---|---|---|---|
| 35 | $24,000 | $80,000 | Saving | $0 | $109,600 |
| 36 | $24,480 | $109,600 | Saving | $0 | $141,752 |
| 37 | $24,970 | $141,752 | Saving | $0 | $176,644 |
| 38 | $25,469 | $176,644 | Saving | $0 | $214,478 |
| 39 | $25,978 | $214,478 | Saving | $0 | $255,470 |
| 40 | $26,498 | $255,470 | Saving | $0 | $299,851 |
| 41 | $27,028 | $299,851 | Saving | $0 | $347,869 |
| 42 | $27,568 | $347,869 | Saving | $0 | $399,788 |
| 43 | $28,120 | $399,788 | Saving | $0 | $455,893 |
| 44 | $28,682 | $455,893 | Saving | $0 | $516,487 |
| 45 | $29,256 | $516,487 | Saving | $0 | $581,897 |
| 46 | $29,841 | $581,897 | Saving | $0 | $652,471 |
| 47 | $30,438 | $652,471 | Saving | $0 | $728,582 |
| 48 | $31,047 | $728,582 | Saving | $0 | $810,629 |
| 49 | $31,667 | $810,629 | Saving | $0 | $899,041 |
| 50 | $32,301 | $899,041 | Saving | $0 | $994,275 |
| 51 | $32,947 | $994,275 | Saving | $0 | $1.10M |
| 52 | $33,606 | $1.10M | Saving | $0 | $1.21M |
| 53 | $34,278 | $1.21M | Saving | $0 | $1.33M |
| 54 | $34,963 | $1.33M | Saving | $0 | $1.45M |
| 55 | $35,663 | $1.45M | Saving | $0 | $1.59M |
| 56 | $36,376 | $1.59M | Saving | $0 | $1.74M |
| 57 | $37,104 | $1.74M | Saving | $0 | $1.90M |
| 58 | $37,846 | $1.90M | Saving | $0 | $2.07M |
| 59 | $38,602 | $2.07M | Saving | $0 | $2.25M |
| 60 | $39,375 | $2.25M | Saving | $0 | $2.45M |
Formula
How retirement savings are projected
The calculator grows current savings and annual contributions until the target retirement age, then compares the result with a retirement-income funding target.
Future nest egg = current savings growth + future contributions growth
Savings needed = present value of desired retirement withdrawals
Planning
Why retirement age, inflation, and withdrawals matter
A small change in retirement age, savings rate, inflation, or investment return can materially change the projected nest egg and how long the portfolio may last.
FIRE number = annual retirement expenses ÷ safe withdrawal rate
Surplus / gap = projected nest egg − modeled savings needed
Use cases
When to use this Retirement Calculator
Use it to estimate your retirement savings goal, compare income sources, test longevity risk, and model early-retirement or FIRE scenarios before making a long-term plan.
Estimate how much your retirement savings may grow by your target retirement age
Use the result as a planning estimate only, then confirm assumptions, tax treatment, investment risk, and retirement strategy with qualified professionals.
Compare projected nest egg with modeled savings needed for retirement income
Use the result as a planning estimate only, then confirm assumptions, tax treatment, investment risk, and retirement strategy with qualified professionals.
Estimate monthly contribution needed to reach a retirement goal
Use the result as a planning estimate only, then confirm assumptions, tax treatment, investment risk, and retirement strategy with qualified professionals.
Analyze retirement income sources against expected expenses
Use the result as a planning estimate only, then confirm assumptions, tax treatment, investment risk, and retirement strategy with qualified professionals.
Model how long a portfolio may last after retirement
Use the result as a planning estimate only, then confirm assumptions, tax treatment, investment risk, and retirement strategy with qualified professionals.
Estimate FIRE number and years until early retirement
Use the result as a planning estimate only, then confirm assumptions, tax treatment, investment risk, and retirement strategy with qualified professionals.
Calculator details
Retirement Calculator formula, assumptions, and examples
Last updated: July 2026
Formula used
Formula used
Future value = current savings grown by return assumptions + recurring contributions, adjusted for retirement withdrawals.
Assumptions
Assumptions
- Investment returns, inflation, contributions, and withdrawals are estimates.
- Taxes, fees, and market volatility may reduce results.
- Future income needs can change.
Example calculation
Example calculation
If $10,000 grows at 6% annually for 10 years with no additions, it becomes about $17,908 before taxes and fees.
When to use this calculator
When to use this calculator
Use it to estimate whether savings, contributions, and retirement age are aligned with your goal.
Disclaimer
Disclaimer
Retirement projections are estimates only and do not guarantee investment performance or future income.
Questions
Frequently Asked Questions
What does this retirement calculator estimate?
It estimates projected retirement savings, modeled savings needed, savings gap or surplus, annual retirement income, portfolio drawdown, income coverage, and FIRE timeline scenarios based on the values you enter.
How is the retirement savings target calculated?
The calculator inflates your desired annual retirement income to the retirement date, then estimates the savings needed to fund that income during retirement using your return and inflation assumptions.
What is a FIRE number?
A FIRE number is a financial-independence target based on expected annual retirement expenses divided by a chosen safe withdrawal rate. For example, a 4% withdrawal rate implies about 25 times annual expenses.
Can this calculator replace financial advice?
No. It is for educational planning only. Retirement outcomes depend on market performance, taxes, inflation, healthcare costs, withdrawal behavior, pensions, benefits, and personal circumstances. Review decisions with a qualified financial or tax professional.
