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Retirement Calculators · United States
Find the nest egg you need using the 4% rule, see whether your savings are on track, how much more to save each month, and whether your money lasts to your planning age.
Many planners use 90 to 95 to avoid outliving savings.
Rises with inflation each year.
Nominal annual return.
Usually lower because portfolios get more conservative.
Before income tax if your withdrawals are taxable.
Enter your own estimate; this tool does not estimate benefits.
The 4% rule is a common starting point.
Enter your values and press Check my retirement plan
Projected balance at retirement
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How it works
Save until your retirement age, then withdraw an inflation-adjusted amount each year. The calculator compares what you will have with what the 4% rule says you need.
Enter your ages, current savings, yearly contribution, expected returns before and after retirement, inflation and the spending you want in today's dollars.
Enter Social Security or pension income you expect each year in today's dollars. Only the gap between spending and this income has to come from your savings.
See the nest egg you need, what you are on track to have, the extra monthly saving that closes any gap, and a chart showing your balance by age, including the age your money would run out if it does.
Retirement phase: at the start of each retirement year the inflation-adjusted withdrawal is taken, then the remainder earns the retirement return. If the balance cannot cover a withdrawal, the plan shows the age at which money runs out. The chart shows balances in today's dollars so values are comparable across decades.
The 4% rule: it comes from historical research on 30-year retirements and says a first-year withdrawal of 4% of the portfolio, raised with inflation, has historically lasted about 30 years. Longer retirements, such as retiring in your 50s, often call for 3.25% to 3.75%. It is a guideline, not a guarantee.
Limitations: contributions are made at year end and grow with inflation; Social Security and pension income are assumed to rise with inflation; taxes, fees, health-care shocks, market sequence risk and benefit cuts are not modeled. Pre-tax account withdrawals are taxable income, so your spendable amount will be lower than the withdrawal.
It says you can withdraw 4% of your portfolio in your first year of retirement, then adjust that dollar amount for inflation each year, and historically the money has lasted about 30 years. Equivalently, your nest egg should be about 25 times your first-year withdrawal.
Subtract guaranteed income such as Social Security from your annual spending, then divide by your withdrawal rate. For $80,000 of spending with $30,000 of Social Security, you need $50,000 ÷ 4% = $1,250,000 in today's dollars.
Yes, for spending and Social Security. The calculator inflates them to the retirement date and also shows the balance in today's dollars so the numbers are easy to judge.
The chart shows the age it runs out. You can close the gap by saving more, retiring later, spending less, lowering the withdrawal rate, or increasing guaranteed income. The required extra monthly saving is shown for the shortfall at retirement.
No. Enter Social Security from your statement at ssa.gov. Withdrawals from traditional 401(k) and IRA accounts are taxed as ordinary income, so plan to net less than the gross withdrawal.
Estimates for education and planning only. This is not tax, legal or investment advice; check IRS.gov or a tax professional for your situation. Sources: Trinity study and Bengen (1994) on the 4% rule; IRS 2026 retirement plan limits.
Last updated: November 2, 2026
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