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Retirement Nest Egg Calculator

Describe the retirement income you want

yrs
yrs
$/yr

In today's dollars. The calculator raises it with inflation to your retirement date.

$/yr

Also in today's dollars. Only the rest has to come from your nest egg.

%

Share of the nest egg taken in the first year (the 4% rule uses 4).

%
$
%
More options
%

Your expected average rate if the savings sit in a traditional 401(k) or IRA. The nest egg is grossed up so the income above is what you keep.

%

Used only to estimate how long each withdrawal rate lasts.

Your nest egg target

Nest egg needed

–

In today's dollars

–

Monthly saving to reach it

–

First-year withdrawal–
Income still needed from savings, today's dollars–
Today's savings grow to–
Still to save–
At this rate, savings last about–

Nest egg needed at other withdrawal rates

A lower withdrawal rate needs a bigger nest egg but is more likely to last. The last column shows how long the money would last if each first-year withdrawal then rises with inflation and the rest earns your return during retirement.

Withdrawal rateNest egg neededIn today's dollarsMonthly saving neededLasts about

Results are estimates for educational purposes and are not financial, tax or legal advice.

Work out the savings you need on the day you retire from the income you want, using a withdrawal-rate rule such as 4%, and what to save each month to get there. Next, open the life expectancy calculator and enter your own details to see an estimate in seconds.