Project your retirement nest egg. See how much you'll have at retirement based on your savings.
Project how much you'll have at retirement
This free calculator gives you instant, accurate results with no signup required. Use it to make smarter, more informed financial and life decisions.
Always double-check important financial decisions with a qualified professional. This calculator provides estimates for guidance purposes. Results may vary based on your specific circumstances.
The old advice of "save $1 million for retirement" is outdated — the real number depends entirely on your desired lifestyle and where you'll live. A more useful benchmark is the 4% rule: multiply your desired annual retirement income by 25 to estimate your target nest egg.
Want $50,000/year in retirement? You'd need approximately $1.25 million saved. Want $80,000/year? That's $2 million. The rule assumes a diversified portfolio and a 30-year retirement horizon, withdrawing 4% in year one and adjusting for inflation after.
Social Security (or your country's equivalent) changes this math. If you expect $2,000/month from Social Security, that's $24,000/year you don't need to generate from savings — reducing your required nest egg by $600,000 under the 4% rule.
The biggest lever most people underuse is employer matching. If your employer matches 50% up to 6% of salary and you're only contributing 3%, you're leaving free money on the table every single paycheck. Use the calculator above to model different contribution rates and see how dramatically employer matching accelerates your timeline.