What is the '4% rule'?

A common retirement guideline suggesting a retiree can withdraw about 4% of their nest egg in the first year (adjusted for inflation thereafter) with a low risk of running out of money over a ~30-year retirement. It's a rule of thumb, not a guarantee, and the withdrawal rate is fully adjustable here.

Does this account for inflation?

Not directly — enter an inflation-adjusted ('real') expected return if you want the projection to reflect today's purchasing power, or use the separate Inflation Calculator alongside it.

Is this financial advice?

No — it's a projection tool based on the assumptions you enter. Consult a licensed financial advisor for personalized retirement planning.

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Retirement Calculator

Free · No Server

Project your retirement nest egg from current savings and monthly contributions, and check it against your income goal.

Calculates live · no upload

Retirement Calculator

Current ageRetirement ageAnnual return %Current savingsMonthly contributionDesired monthly incomeSafe withdrawal rate % (4% rule default)

Projected nest egg

1,073,120

Nest egg needed

1,200,000

Shortfall

126,880

You may be short by 126,880. At this rate your nest egg would sustainably provide about 3,577/month — consider increasing contributions or retiring later.

100% in-browser — projects compound growth of savings plus monthly contributions, then checks it against your desired income using a safe withdrawal rate. Not financial advice; all math runs locally.

What is Retirement Calculator?

Retirement Calculator projects a retirement nest egg by compounding current savings plus monthly contributions from your current age to retirement age at an expected annual return, then compares that projected balance against the nest egg needed to sustain a desired monthly income using a configurable safe withdrawal rate (the '4% rule' by default).

How to Use

1
Enter your current and target retirement age
Determines the number of years your savings have to grow.
2
Enter current savings, monthly contribution and expected return
Projects your nest egg at retirement.
3
Enter desired monthly income and withdrawal rate
Compares your projected nest egg against what's needed to sustain that income.

Common Use Cases

Checking whether current retirement contributions are on pace
Seeing the effect of increasing monthly contributions
Estimating a target nest egg for a desired retirement income
Understanding the safe withdrawal rate ('4% rule') in dollar terms

Key Features

Compound growth projection to retirement age
Nest-egg-needed calculation from desired income
Configurable safe withdrawal rate
100% client-side, no upload

🔒

100% Private — No Server Required

All processing happens directly in your browser. No data is uploaded, stored, or transmitted to any server.

Frequently Asked Questions

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Last reviewed on July 24, 2026 by the AiTechWorlds Tools Team. All processing runs locally in your browser.

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What is Retirement Calculator?

How to Use

Enter your current and target retirement age

Determines the number of years your savings have to grow.

Enter current savings, monthly contribution and expected return

Projects your nest egg at retirement.

Enter desired monthly income and withdrawal rate

Compares your projected nest egg against what's needed to sustain that income.