Retirement savings calculator
Projected nest egg from contributions and returns.
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How it's calculated
What you have saved compounds at the monthly return for every month until retirement, and each monthly contribution compounds from the month it is made; the two together are the nest egg. A withdrawal rate turns that into income: the 4% rule says a balanced portfolio can pay out 4% of its starting value a year, rising with inflation, for about thirty years. Dividing the nest egg by (1 + inflation) to the power of the years left shows it in today’s purchasing power, which is the number to compare with your current spending.
How much do I need to retire?
A common target is 25 times the yearly spending you want from savings, which is the 4% rule turned round: $60,000 a year needs $1.5 million. Social Security or a pension reduces the amount savings must cover. Set the withdrawal rate to 3.5% for a longer retirement or an early one.
Am I on track?
Fidelity's guideposts are one year's salary saved by 30, three by 40, six by 50, eight by 60 and ten by 67. The defaults here, $50,000 at 35 with $800 a month at 7%, reach about $1.4 million at 65, roughly $650,000 in today's money, which supports about $26,000 a year in today's terms.
What return should I assume?
Historically a diversified stock portfolio has returned about 10% a year before inflation and 7% after; bonds roughly half that. Plan with 5–7% and enter 0 inflation if the return you chose is already real, or 2–3% inflation with a nominal return. Returns in the last ten years before retirement matter most; many people shift to a steadier mix then.
Results are estimates for informational purposes only and are not financial, medical or legal advice.