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Retirement Nest Egg Calculator

How much do you need saved before retirement to cover your target monthly income?

Instant results Private — runs in your browser Updated January 1970

Inputs

Monthly income needed

Safe withdrawal rate

Your 'number'

$1,500,000.00

25.0× annual expenses

Nest egg = annual spending ÷ SWR. The classic 4% rule implies 25× spending; a conservative 3% implies 33×.

Is this guaranteed?

No — these are projections that assume your inputs hold. Real markets and life are variable.

What's the 4% safe-withdrawal rule?

The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.

Should I max out my 401(k)?

At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.

Roth vs. Traditional?

Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.

When should I start saving?

Immediately. The single biggest variable in retirement success is years of compounding.

Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.

Last updated January 1970