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Retirement Calculator

See how big your retirement nest egg could grow — and what income it might provide.

Your details

At retirement you'll have

0
Projected nest egg at age 65
You'll contribute — Investment growth —
⏳ Years until retirement—
💸 Est. monthly income (4% rule)—

Your nest egg over time

The gap between the lines is investment growth — money your money earned. Notice how it explodes in the final decade: that's why starting early wins.

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How does this retirement estimate work?

The calculator grows your current savings and every future monthly contribution at your expected annual return, right up to your retirement age. The result is your projected nest egg — the total pot you'd have to retire on.

The 4% rule

A common rule of thumb says you can withdraw about 4% of your savings per year in retirement with a good chance the money lasts ~30 years. We use it to estimate your potential monthly retirement income.

Start early — it matters most

Thanks to compounding, contributions you make in your 20s and 30s do far more work than the same amount later. Even small monthly increases now can add tens of thousands to your final pot.

Does this account for inflation?

No — figures are in today's nominal terms. Real purchasing power will be lower, so consider using a slightly conservative return rate.

Is the 4% rule guaranteed?

No. It's a widely used guideline, not a promise — markets, spending and lifespan all affect how long savings last.