Calculate your retirement nest egg. Project your future nest egg balance at retirement age, estimated monthly retirement spending, and whether you face a retirement shortfall.
Enter your values, then select Calculate Now
Years to Retire = Retirement Age - Current Age. Future Nest Egg calculates compound growth of current savings plus monthly contributions compounded monthly over Years to Retire. Safe Annual Retirement Income = Nest Egg * 4% (Trinity Study Rule of 4%). Safe Monthly Income = Safe Annual / 12.
Your projected $5,819 monthly safe income comfortably beats your $5,000 target, meaning you are fully on track for a secure retirement.
Enter your current age and your planned retirement age.
Input all existing retirement balances (401k, 403b, Traditional/Roth IRA).
Enter your total monthly contribution (including employer match).
Set an expected annual investment return (e.g. 7% to 8%).
Input your desired monthly living budget in retirement.
Review your projected total nest egg and monthly safe withdrawal capacity.
Derived from the renowned Trinity Study, the 4% rule states that an investor with a 50/50 stock and bond portfolio can safely withdraw 4% of their initial portfolio in year one (adjusted for inflation each subsequent year) with a 95%+ probability of funds lasting at least 30 years.
Yes. If you expect $1,800/month from Social Security and want $5,000 total, your retirement portfolio only needs to generate $3,200/month.
Fidelity guidelines recommend having 1x your annual salary saved by age 30, 3x by age 40, 6x by age 50, 8x by age 60, and 10x by age 67.
Take advantage of IRS catch-up contributions (available at age 50+), increase your savings rate by 1-2% every year, downsize housing, or plan to work 2 to 3 years longer.
Traditional accounts provide an upfront tax deduction today (best if you are currently in a high tax bracket). Roth accounts grow and withdraw 100% tax-free forever (best if you expect higher taxes in retirement).
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