Retirement calculator
The chart grows toward the goal line — or shows how far you still are.
100% in browser — No files or data are sent to a server. Everything runs on your device.
Simulate how much you can accumulate by retirement with today’s savings, monthly contributions, an expected annual return and a time horizon. The nest-egg goal uses the 4% rule: desired annual income divided by 0.04.
The chart shows the accumulation curve and a goal line. We also estimate the monthly income that projected wealth could support at 4%, and how long the goal would take at this pace.
Monthly compounding (nominal rate ÷ 12), 100% in the browser. Taxes and fees are out of scope. You can turn on inflation to see the nest egg in today’s purchasing power.
Frequently asked questions
What is the 4% rule?
A shortcut from the Trinity study (1998): withdrawing 4% of the portfolio in the first year and then adjusting for inflation often lasted 30 years in many U.S. historical scenarios. In practice it is the same as saving 25 times desired annual income (monthly × 12 ÷ 0.04). It is not a guarantee.
Is the return guaranteed?
No. You enter a hypothetical rate. Real markets move.
Do my numbers leave this device?
No. The calculation stays local.
Does inflation affect the 4% rule?
The goal (25× annual income) stays in today’s money. If you enable inflation, the projected balance is converted to current purchasing power before comparing it with that goal.