All Tools VerseRetirement Calculator - Savings Projection
Free retirement calculator. Project your nest egg from your age, savings, monthly contribution and return, plus estimated monthly income. Charts, table, print.
- Runs in your browser
- Nothing uploaded
- Free, no sign-up
Project how much you could have saved by retirement, and roughly how much monthly income that could provide. Adjust your age, savings, contribution and expected return to see the difference. Everything runs in your browser.
How to Use Retirement Calculator - Savings Projection
- Enter your ages. Put in your current age and the age you plan to retire.
- Add your savings and contribution. Enter what you have saved now and how much you add each month.
- Set the expected return. Use a realistic long-term annual return for your investments.
- Choose a withdrawal rate. A common rule of thumb is 4 percent per year, used here to estimate monthly income.
- Read the results. See your projected nest egg, the estimated monthly income, a growth chart and a projection by age. Print, export a CSV, or copy a share link.
Frequently Asked Questions
How is the nest egg calculated?
Your current savings grow with monthly compounding at the expected return, and your monthly contribution is added each month until retirement. The result is the projected balance at your retirement age.
What is the withdrawal rate?
It is the share of your savings you take out each year in retirement. The 4 percent rule is a common guideline, suggesting you could withdraw about 4 percent of the balance per year. This tool uses it only to estimate monthly income.
Does it account for inflation or taxes?
No. The figures are in today’s dollars before inflation and taxes. Treat them as a simple projection to compare choices, not exact future amounts.
Is the result guaranteed?
No. It assumes a steady return every year, while real markets rise and fall. Use it to see how saving more or starting earlier changes the outcome.
Is my information sent anywhere?
No. Everything runs in your browser. Your numbers never leave your computer and it works offline once loaded.
Can I use it for a 401k or IRA?
Yes. Enter your account balance as the current savings and your regular paycheck or monthly contribution. The projection works the same for any retirement account.
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