Nest egg at age 65
$1,849,577
4% rule income / year$73,983
That is per month$6,165
In today's dollars$779,358
Growth to retirement
BalanceContributions
$1,849,577$1,387,183$924,789$462,394$0
3039485665
Your nest egg at retirement and the income it supports (4% rule)
Results update as you type. Inputs are saved on this device.
Nest egg at age 65
Your savings and monthly contributions compound until retirement age, and the resulting nest egg is translated into income using the 4% rule — the classic guideline that you can withdraw 4% of your portfolio in the first year and adjust for inflation thereafter. Compare 3–5% withdrawal rates and see the balance in today's dollars.
The nominal balance is the account value shown in future dollars; the real balance translates it back into today's purchasing power. The withdrawal comparison shows how sensitive first-year portfolio income is to the selected rate.
The estimate excludes contribution limits, account-specific tax treatment, fees and required minimum distributions. Retirement income should be evaluated after tax and alongside non-portfolio income.
Inputs are applied directly to standard finance formulas with monthly compounding where relevant. Results are estimates in the selected currency; they do not include every tax, fee, benefit, market event or local rule. Try a conservative and an optimistic case before making a decision.
Last reviewed: August 2026. Primary references include the IRS 2026, SSA, BLS CPI, U.S. DOL, CFPB.
A common shortcut is 25× your annual spending — the inverse of the 4% rule. Spending $60,000 a year points to a $1.5M nest egg.
Withdraw 4% of your portfolio in year one and adjust that dollar amount for inflation each year. Historically it survived 30-year retirements in most US market scenarios.
At a 4% withdrawal it supports about $40,000 a year before other income. Whether that is enough depends on your spending and Social Security.
Long-run US stock returns average about 10% nominal, or roughly 7% after inflation. Using 6–7% keeps the projection conservative.
All math runs in your browser and your inputs are never sent to a server. Settings are saved locally and share links encode the state in the URL. For information only — not investment or tax advice.