Retirement Calculator – 4% Rule Nest Egg

Retirement Calculator (4% Rule)

How big a nest egg do you need, and are you on track? Built on the famous 4% safe-withdrawal rule — with safer variants for early retirees.

Current Age

Retirement Age

Monthly Spending in Retirement (today's $)

Expected Inflation (%)

Current Retirement Savings ($)

Expected Return Until Retirement (%)

Withdrawal Rule4% rule (25× spending — classic 30-yr retirement)3.5% (≈29× — safer / longer retirement)3% (33× — very safe / early retirement)

Nest Egg Needed

$0

Annual Spending at Retirement (inflated)$0

Future Value of Current Savings$0

Gap to Close$0

Monthly Investment Needed$0

First-Year Retirement Income$0

The 4% rule (Trinity Study): withdraw 4% of the portfolio in year one, adjust for inflation annually — historically survived every 30-year US period with a 50/50+ stock allocation. Retiring before 60 or wanting extra safety? Use 3-3.5%. Social Security will cover part of your spending, so your true personal target may be lower — subtract expected benefits from monthly spending to see it. Estimates only.