How much do I need to retire?

A rough target is 25× your annual spending (the inverse of the 4% rule). This tool shows the nest egg and the income it can sustainably produce.

Should I count Social Security?

This projection covers only your own savings. Social Security or a pension would add to the income shown, reducing how much you need to save.

Retirement Planner

Find out how much to save each month to retire with the nest egg you need.

UPDATED · MAY 2026

Current age

Retirement age

Current savings

Monthly contribution

$/mo

Expected annual return

Nest egg at 65 (30 yrs)

$1,381,802

INCOME / MO$4,606

CONTRIBUTED$338,000

GROWTH$1,043,802

Nest egg

$1,381,802

Monthly income

$4,606

Total saved

$338,000

RETIREMENT SAVINGS GROWTH

Total value Invested

How to use the Retirement Planner

01
Enter your ages. Current age and the age you plan to retire.
02
Add savings and contributions. Current balance plus what you save each month.
03
Set your expected return. See your projected nest egg and sustainable income.

How is it calculated?

We compound your current savings and monthly contributions at your expected return until retirement age. The projected monthly income applies the 4% rule — a common guideline that withdrawing 4% of your nest egg per year (here shown monthly) has historically lasted ~30 years.

Frequently asked

The questions readers ask most about the retirement planner.

A retirement guideline that you can withdraw about 4% of your portfolio in the first year (adjusted for inflation after) and likely not run out over a 30-year retirement.

LEARNCompound interest explained: how money grows over time

How to use the Retirement Planner

How is it calculated?

Frequently asked

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