Retirement projection

Estimate your nest egg at retirement and whether it lasts to life expectancy at a chosen withdrawal rate.

Current age

Retire at

Life exp.

Current balance ($)

Monthly contribution ($)

Pre-retire return: 8%Post-retire return: 5%Withdrawal rate: 4%

Nest egg at age 65

$2.04M

Implies $81,486/yr at the 4% rule (≈ $6,790/mo).

Portfolio survives to life expectancy with $3.01M remaining.

Formula

Two-phase projection: monthly compounding during accumulation, annual constant-dollar withdrawal in retirement (Bengen-style). Defaults to a 4% safe withdrawal rate, which historically supported a 30-year horizon in the US — your mileage may vary in different rate regimes.

Illustrative only. Calculator outputs assume constant inputs and ignore taxes, fees, inflation, and market volatility unless stated. For research and educational purposes only — not financial advice.