Free retirement calculator. Estimate your retirement nest egg based on current savings, monthly contributions, and expected returns. Uses the 4% rule for income.
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Retirement Calculator
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Formula
Formula
Future Value = Savings × (1+r)ⁿ + Monthly × ((1+r)ⁿ − 1) ÷ r
Uses compound growth formula. The 4% rule suggests withdrawing 4% of nest egg annually in retirement — this provides sustainable income for 30+ years based on historical returns.
Frequently Asked Questions
How much do I need to retire?+
A common rule is 25× your annual expenses (the 4% rule). If you spend $40,000/year, you need $1 million to retire comfortably.
What return rate should I expect?+
The stock market has averaged 7-10% annually over long periods. Use 6-7% for conservative planning after inflation.
When should I start saving for retirement?+
As early as possible. Starting at 25 vs 35 can result in 2-3x more savings at retirement due to compound growth.