Will I have enough to retire?
This retirement calculator answers one question: will I have enough to retire? It projects your nest egg at retirement from your current balance plus monthly contributions, growing at your expected return until your target age. Then it shows the inflation-adjusted annual income that nest egg can support (using a safe-withdrawal rate like the 4% rule) and any surplus or shortfall versus the income you want. Everything is calculated privately in your browser, free.
A 35-year-old with $50,000 saved contributes $500/month for 30 years at a 6% nominal return, 2.9% inflation, and a 4% withdrawal rate:
This calculator uses the effective-rate convention j = (1 + r)^(1/12) − 1 so monthly and annual compounding agree. A simpler r/12 convention gives slightly higher figures; we use one consistently.
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Your current balance compounds at the expected return for the years until retirement, and your monthly contributions are added as an ordinary annuity (end-of-month deposits). The two are summed to give your projected nest egg in future dollars, then divided by cumulative inflation to show today's purchasing power.
The 4% rule (Bengen 1994, Trinity Study) estimates you can withdraw 4% of your nest egg in year one and adjust for inflation each year afterward, lasting roughly 30 years with a balanced portfolio. Bengen's 2025 update raises it to 4.7%; Morningstar's 2025 research suggests around 3.7%. You can change the rate in the tool.
Inflation erodes purchasing power over time, so a future dollar buys less than a dollar today. We divide the nest egg by cumulative inflation over your horizon to show what it is really worth in today's money.
No. The projection covers only your investment portfolio. Enter the desired income as the portfolio's share, excluding Social Security, pensions, annuities, part-time work, and before taxes or fees. Enter net-of-fee returns if you know them.
A conservative diversified estimate is 5–7% nominal. The historic S&P average is about 10% nominal (7% real), but planning at that rate is optimistic and understates how much you need to save. Returns are entered as nominal; the tool converts to today's dollars using your inflation rate.
No. It is an educational projection, not advice or a guarantee. A fixed average return ignores market volatility and sequence-of-returns risk. Revisit your plan annually and confirm with a licensed advisor.
Private: everything is calculated in your browser. We don't store or sell your data.