Retirement Calculator
How much will you have when you retire — and what will it pay you each month? Enter your age, savings and contributions to project the nest egg, and see the income it could support without running dry.
Your numbers
Result
- Total contributed
- $230,000.00
- Investment growth
- $839,238.44
How the projection works
Each month your balance grows at the expected return and your contribution is added on top:
balance = balance × (1 + i) + contribution
The monthly rate i comes from the annual return you enter. The gap between the two chart lines — what you put in versus what you have — is compound growth, and over decades it becomes the larger of the two.
The 4% rule
A common rule of thumb says you can withdraw about 4% of your nest egg in the first year of retirement, then adjust for inflation, with a low chance of running out over a 30-year retirement. This calculator turns your projected balance into a monthly figure that way: income = nest egg × 4% ÷ 12. It is a starting estimate, not a guarantee — real markets, taxes and lifespans vary.
Why starting early matters most
A dollar invested at 25 compounds for 40 years; the same dollar at 45 compounds for 20. Because growth is exponential, the early dollar is worth several times the late one at retirement. If the number looks small, raising the contribution helps — but starting sooner, or retiring a couple of years later, often moves it more.
Informational and educational result. Not a substitute for professional advice.
Frequently asked questions
Sources
- U.S. Securities and Exchange Commission (Investor.gov) — Retirement planning tools
- Bengen (1994) / Trinity study — the 4% safe withdrawal rule
Embed this calculator
Copy the code and paste it into your site or blog. Credit with a link back to Contania is included, and the height adjusts itself.
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