Retirement savings calculator with inflation-adjusted returns. See if you reach your nest egg goal and how much to save monthly. Free, no signup.
Project how today's savings and monthly contributions grow before retirement, in today's purchasing power (real returns). Example: spending $60,000/year in retirement often implies a nest egg near $1.5M using the 25× rule (4% safe withdrawal). See if your timeline hits that target.
A common guide is 25× your expected annual retirement spending (the 4% rule). Plan to spend $60,000/year → target near $1.5M invested. Our calculator shows whether your savings path reaches your required nest egg.
Many planners suggest ~15% of gross income. $500/month from age 25 to 65 at ~7% real/nominal assumptions can reach roughly $1.3M; starting at 35 with the same $500 may land near $567,000 — starting earlier often dominates.
Nominal 8% return with 3% inflation ≈ 5% real growth. Real returns keep your retirement target in 'today's dollars' so you do not underestimate how much you'll need.
Withdraw roughly 4% of your portfolio in year one of retirement, then adjust for inflation. It is a planning heuristic from historical U.S. portfolio studies — not a guarantee. Personal spending and taxes still matter.