Retirement Calculator
See what your nest egg could look like at retirement, based on savings and contributions.
Educational only. Not investment advice. Work with a qualified financial advisor for real planning.
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Results
How this calculator works
The result compounds your current savings plus future monthly contributions at a fixed annual rate, then applies the classic 4% safe withdrawal rate (Bengen 1994) for retirement income.
Frequently asked questions
What is the 4% rule?
A rule of thumb suggesting a 4% annual withdrawal from your portfolio at retirement should historically last 30 years. Based on William Bengen's 1994 research.
What return rate should I assume?
The S&P 500 averaged ~10% annually since 1926. A conservative planning number is 6-7% to account for inflation and fees.
Does this account for inflation?
No. Results are in nominal dollars. For real (inflation-adjusted) numbers, subtract 2-3% from your return rate.
Does this include Social Security?
No. Add your expected Social Security or government pension separately for a complete picture.
Learn more about retirement planning
The TradeAlphaAI glossary explains retirement and long-term investing concepts.
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