Project your nest egg and find out if you are on track to retire comfortably
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Projected Nest Egg at Retirement
Years to Retire
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Monthly Income Available
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Monthly Gap
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Portfolio Lasts Until
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4% Rule Safe Amount
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Total Contributions
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FREQUENTLY ASKED QUESTIONS
What is the 4% rule?
The 4% rule says you can safely withdraw 4% of your portfolio annually in retirement without running out of money over a 30-year retirement. Divide your nest egg by 25 to find the annual withdrawal. This calculator shows your monthly 4% equivalent.
How much do I need to retire?
A common guideline is 25x your annual expenses (the 4% rule). For $5,000/month in expenses, you need $1.5 million. Factor in Social Security, pension, and adjust for inflation.
What return should I assume?
Historically, a diversified stock portfolio has returned 7-10% annually before inflation. A balanced portfolio (60% stocks/40% bonds) averages 5-7%. For post-retirement, use a more conservative 3-5% to account for reduced risk exposure.
What is inflation's impact on retirement?
At 2.5% inflation, $5,000/month today needs $8,200/month in 20 years to have the same purchasing power. This calculator adjusts your retirement expenses for inflation automatically.