Retirement Calculator
Projected nest egg + monthly retirement income at your target age.
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Result
Projected balance at age 65
$1,670,966.72
At retirement
$1671k
Contributed$356,000(21%)
Growth$1,314,967(79%)
- In today's dollars (after inflation)$593,833.83
- Monthly retirement income (4% rule)$5,569.89
- ↳ in today's dollars$1,979.45
- Total contributions over the period$356,000.00
- Compounded growth$1,314,966.72
- Years to retirement35 yrs
How to use this calculator
- Enter your current age and the age you want to retire.
- Add your existing retirement balance (401k + IRA + brokerage earmarked for retirement).
- Type a realistic monthly contribution — including employer match if applicable.
- Use 7% return for stocks, 5% for balanced, 3% for inflation.
About this tool
A simple retirement projection that respects the two things people forget: compound growth and inflation. The calculator grows your current balance plus monthly contributions at the expected rate of return all the way to your retirement age, then applies the 4% safe-withdrawal rule (Trinity Study, 1998) to estimate sustainable monthly retirement income. The "in today's dollars" line strips out inflation so you can see what that future amount actually buys at today's prices — a $2M nest egg in 35 years is closer to $700k in today's purchasing power if inflation runs at 3%.
Frequently asked
Trinity Study (1998) — analysis of historical US returns showing that withdrawing 4% of your initial balance, adjusted yearly for inflation, sustained a portfolio for 30+ years in 95%+ of historical scenarios.
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