Retirement Calculator
Project your nest egg and estimate sustainable retirement income from monthly contributions and expected returns.
Retirement plan
Projected nest egg in 35 years
$1,188,181
Annual withdrawal
$47,527
Monthly withdrawal
$3,961
Total contributed
$235,000
Interest earned
$953,181
Sustainable years
Infinity yr
Frequently Asked Questions about the Retirement Calculator
How does this projection work?
It compounds your current savings monthly at your assumed annual return and adds your monthly contribution each month until your retirement age. Then it applies a safe withdrawal rate (default 4%) to estimate yearly income.
Can you walk through an example?
Age 35, $50,000 saved, contributing $800 per month, retiring at 65 at 7% returns: the nest egg grows to about $1.36 million. A 4% withdrawal gives roughly $54,300 per year in retirement income.
What are the US 401(k) contribution limits?
For 2026, the employee 401(k) limit is $24,000 (and $31,500 if you are age 50+). IRA limits are $7,500 ($8,500 with catch-up). These caps apply to traditional and Roth versions combined.
Is 4% really a safe withdrawal rate?
The 4% rule comes from the Trinity Study and historically gave a high probability of lasting 30 years. Recent research suggests 3.5% is safer for early retirees or longer horizons. Adjust the input to model conservatively.
Does this account for inflation or taxes?
No. Returns are nominal and pre-tax. To plan in today's dollars, subtract your expected inflation rate (about 3%) from the assumed return. Traditional 401(k) and IRA withdrawals are taxed as ordinary income.