Estimate the nest egg you will have at retirement and the yearly income it can safely provide using the well-known 4 percent guideline.
How it works
- Input your current age and planned retirement age.
- Enter your current savings and ongoing monthly contributions.
- Review the projected safe-withdrawal-rate income the calculator determines.
Frequently asked questions
What is the 4% rule?
A guideline that withdrawing about 4 percent of your starting balance per year (adjusted for inflation) has historically lasted around 30 years. It is a starting point, not a promise.
Does this account for inflation?
Returns here are nominal. For a real-terms view, enter an inflation-adjusted return (expected return minus inflation).
How much should I save?
More is better, but consistency and starting early matter most; compounding rewards time above all.