Retirement Nest Egg | Life Calculators

Current Age ?Your age today. The more years until retirement, the more compound growth works in your favor.

Retirement Age ?When you plan to stop working. Average American retires at 62, but waiting longer means more savings time.

Current Savings ?Total across all retirement accounts — 401(k), IRA, Roth, brokerage. Include everything earmarked for retirement.

Monthly Contribution ?What you save each month going forward. Includes employer match if applicable. Even $200/mo more can add tens of thousands.

Annual Return ?Historical S&P 500 averages ~10% before inflation. A balanced portfolio typically returns 5-8%. Be conservative — surprises should be pleasant ones.

Inflation ?Erodes purchasing power over time. Historical average is ~3%. Your nest egg in today's dollars is what really matters.

Your Nest Egg at Retirement

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Important notes about this calculator

Single deterministic return rate — does not model market volatility or sequence-of-returns risk (the order of bad years matters near retirement). For a more realistic picture, consider a Monte Carlo planner. The 4% rule assumes a 30-year retirement — adjust down (3.5%) for longer retirements or up (4.5%) for shorter ones.