Retirement Savings Calculator
Project your nest egg and see the sustainable annual income the 4% rule suggests it can support.
Balance by age
Methodology & how to use this
How this projects your balance
Each month we grow your balance by 1/12th of the annual return and add your contribution. With inflation adjustment on, we use the real (inflation-adjusted) return so the final number is in today's dollars.
The 4% rule
The 4% "safe withdrawal rate" — from the Trinity Study — suggests you can withdraw 4% of your starting portfolio in year one, then adjust for inflation, with a high probability of not running out over ~30 years. It's a rule of thumb, not a guarantee.
Frequently asked questions
Keep running the numbers
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