How much do I need to retire?

A common benchmark is 25× your annual spending (the 4% rule). This calculator shows your projected balance and the income 4% of it would provide — compare that to the income you'll want.

Should I include my employer match?

Yes. An employer 401(k) match is part of your contributions and compounds just like your own money — it's one of the highest-return moves available, so capture the full match if you can.

Is the projection in today's dollars?

If you enter a return after inflation (a 'real' return, e.g. 4–5% instead of 7%), the result is in today's purchasing power. Using a nominal return shows future dollars, which buy less.

Retirement

Most used

Retirement Calculator

Project your nest egg to retirement age, including any employer match, and see the annual income it could safely provide.

Your numbers

Current age

yrs

Retirement age

yrs

Current savings

Your monthly contribution

Employer match (monthly)

Expected return7%

Statement

Nest egg at 65

$1,828,958

~$73,158/yr at a 4% withdrawal

Years until retirement: 30
Your contributions: $396,000
Growth: $1,372,958
Projected balance: $1,828,958
Est. annual income (4%): $73,158

With 30 years of growth, your savings could reach $1,828,958 — roughly $6,097 a month in retirement income.

Over time

Estimates only — not financial advice. They produce estimates based on the figures you enter and do not account for every fee, tax or change in rate.

Sources & assumptions

Formula 2026.07.18
Page updated 2026-07-18

Read the full methodology

The result is a deterministic estimate from the inputs shown on this page.
Fees, taxes and real-world terms not represented by an input are excluded.
Confirm material decisions against original documents or a qualified professional.

Report a calculation issue

The email includes this route only; calculator inputs are not attached.

Capture the match first

Before anything else, contribute enough to get your full employer match — it's an immediate guaranteed return on your money. After that, increasing your own contribution rate even one or two points has a large effect over decades of compounding.

Frequently asked questions

Retirement Withdrawal Calculator

See how long a nest egg lasts at a chosen annual withdrawal, with returns still working and withdrawals rising for inflation. Also known as a retirement drawdown or distribution calculator.

Retirement Income Calculator

Turn a nest egg into a monthly paycheck. We apply a safe withdrawal rate to your savings and add any Social Security or pension to estimate your retirement income.

FIRE Calculator

Financial Independence, Retire Early. We'll find your 'FIRE number' from your spending using the 4% rule, then estimate how long it takes to reach it.