Retirement planner
Project what your nest egg will be at retirement age. See how contributions, employer match and market returns compound over decades.
What is a retirement calculator?
A retirement calculator projects what your savings will grow to by a target retirement age, and translates that nest egg into a safe monthly income using the well-known 4% withdrawal rule (or any rate you set). It's the simplest answer to: "Am I saving enough?"
The full breakdown.
| Period | Contributed | Growth | Nest egg | Growth share |
|---|---|---|---|---|
| Age 31 | $59,600 | $3,929 | $63,529 | 6% |
| Age 32 | $69,200 | $8,835 | $78,035 | 11% |
| Age 33 | $78,800 | $14,790 | $93,590 | 16% |
| Age 34 | $88,400 | $21,870 | $110,270 | 20% |
| Age 35 | $98,000 | $30,156 | $128,156 | 24% |
| Age 36 | $107,600 | $39,734 | $147,334 | 27% |
| Age 37 | $117,200 | $50,699 | $167,899 | 30% |
| Age 38 | $126,800 | $63,150 | $189,950 | 33% |
| Age 39 | $136,400 | $77,196 | $213,596 | 36% |
| Age 40 | $146,000 | $92,951 | $238,951 | 39% |
| Age 41 | $155,600 | $110,539 | $266,139 | 42% |
| Age 42 | $165,200 | $130,092 | $295,292 | 44% |
| Age 43 | $174,800 | $151,753 | $326,553 | 46% |
| Age 44 | $184,400 | $175,673 | $360,073 | 49% |
| Age 45 | $194,000 | $202,017 | $396,017 | 51% |
| Age 46 | $203,600 | $230,959 | $434,559 | 53% |
| Age 47 | $213,200 | $262,688 | $475,888 | 55% |
| Age 48 | $222,800 | $297,404 | $520,204 | 57% |
| Age 49 | $232,400 | $335,323 | $567,723 | 59% |
| Age 50 | $242,000 | $376,678 | $618,678 | 61% |
| Age 51 | $251,600 | $421,717 | $673,317 | 63% |
| Age 52 | $261,200 | $470,705 | $731,905 | 64% |
| Age 53 | $270,800 | $523,928 | $794,728 | 66% |
| Age 54 | $280,400 | $581,693 | $862,093 | 67% |
| Age 55 | $290,000 | $644,328 | $934,328 | 69% |
| Age 56 | $299,600 | $712,185 | $1,011,785 | 70% |
| Age 57 | $309,200 | $785,641 | $1,094,841 | 72% |
| Age 58 | $318,800 | $865,101 | $1,183,901 | 73% |
| Age 59 | $328,400 | $951,000 | $1,279,400 | 74% |
| Age 60 | $338,000 | $1,043,802 | $1,381,802 | 76% |
| Age 61 | $347,600 | $1,144,006 | $1,491,606 | 77% |
| Age 62 | $357,200 | $1,252,149 | $1,609,349 | 78% |
| Age 63 | $366,800 | $1,368,803 | $1,735,603 | 79% |
| Age 64 | $376,400 | $1,494,584 | $1,870,984 | 80% |
| Age 65 | $386,000 | $1,630,151 | $2,016,151 | 81% |
The compounding formula that builds your nest egg.
Retirement balances grow through the same future-value mechanics as any investment: your existing savings compound each year, and each new contribution compounds for however many years remain before retirement.
The power of long time horizons is stark. At 7% annual return, money doubles roughly every 10 years. A dollar saved at 35 is worth about twice as much at 65 as a dollar saved at 45. Starting — or increasing — contributions early has an outsized effect that the calculator makes visible.
- FV
- Future value — projected retirement balance at your target age
- PV
- Present value — your current retirement savings balance
- r
- Rate per period — expected annual return divided by periods per year
- t
- Periods — total compounding periods until retirement
- PMT
- Contribution — amount you add each period, including employer match
Six ways to actually use these numbers.
Save 15% of gross income.
Including employer match, 15% saved consistently from age 25 to 65 reliably hits retirement targets in most return scenarios.
Front-load when you can.
A dollar saved at 25 is worth roughly 10 dollars saved at 50, given long horizons and compound growth.
Withdrawal rate is not income.
A 4% withdrawal rate doesn't mean you can spend 4%. Taxes and inflation adjustments come out of that — net spending is usually closer to 3%.
Account for healthcare.
Pre-Medicare retirement (before 65) requires private health insurance — budget $1.5-2.5K/mo per person for a couple in the US.
Sequence risk is real.
A bear market in your first 5 retirement years is far more dangerous than one later. Consider a higher cash buffer in early retirement.
Run the math at age 90.
Plan for the full life expectancy. Running out of money at 85 isn't a 'risk' — it's a non-recoverable catastrophe. Bias toward conservative.