Retirement Calculator
Project your retirement nest egg, check if you're on track, and see your full accumulation and drawdown schedule
// The 4% Rule
A common guideline suggests withdrawing 4% of your nest egg per year in retirement. This calculator uses your actual desired income — compare it to 4% to see if your plan is conservative or aggressive.
// Start Early
Compound interest is your biggest ally. Starting at 25 instead of 35 with the same contributions can result in nearly double the nest egg by retirement, thanks to an extra decade of compounding.
// Two Phases
Your money goes through two phases: accumulation (saving and growing) and drawdown (spending in retirement). Each phase typically uses a different return rate to reflect risk tolerance.
// Inflation Impact
This calculator uses nominal returns. In reality, inflation (typically 3-6%) erodes purchasing power. Use the Inflation Calculator to see what your future income is worth in today's money.
// Shortfall Solutions
If you see a shortfall, you can: increase monthly contributions, delay retirement by a few years, reduce desired income, or aim for higher returns (with more risk). Small changes compound into big differences.
// Diversify
Don't put all your eggs in one basket. A mix of equities, bonds, property, and cash helps smooth returns and reduce the risk of running out of money in retirement.