EC
EverCalc
💰 Finance & Money

Retirement Savings Calculator

Project your retirement nest egg. Calculate how much you need to save and whether you're on track to retire comfortably.

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Projected Nest Egg

$1,482,626

in 35 years at retirement

Target Nest Egg (4% rule)

$3,517,328

↑ $2,034,702 gap

💡 To hit your target, you'd need to contribute approximately $1,805/month (vs your current $500/month). Employer match adds $175/month.

Portfolio growth by age

Age 31: $127,187
Age 32: $236,762
Age 33: $354,257
Age 34: $480,246
Age 35: $615,343
Age 36: $760,206
Age 37: $915,542
Age 38: $1,082,106
Age 39: $1,260,712
Age 40: $1,452,228
Age 41: $1,657,590
Age 42: $1,877,797
Age 43: $2,113,923
Age 44: $2,367,119
Age 45: $2,638,618
Age 46: $2,929,744
Age 47: $3,241,916
Age 48: $3,576,654
Age 49: $3,935,590
Age 50: $4,320,474
Age 51: $4,733,182
Age 52: $5,175,724
Age 53: $5,650,257
Age 54: $6,159,095
Age 55: $6,704,716
Age 56: $7,289,781
Age 57: $7,917,139
Age 58: $8,589,850
Age 59: $9,311,191
Age 60: $10,084,678
Age 61: $10,914,080
Age 62: $11,803,439
Age 63: $12,757,091
Age 64: $13,779,682
Age 65: $14,876,196
Below targetAt/above target

Frequently Asked Questions

How much do I need to retire?

A common benchmark is 25× your annual expenses (the '4% rule') — meaning if you spend $60,000/year, you need $1.5 million. This assumes a 4% annual withdrawal rate that historically survives 30+ year retirements.

What is the 4% rule?

The 4% rule suggests you can safely withdraw 4% of your retirement portfolio in year one, then adjust for inflation each year. Research shows this strategy has historically lasted at least 30 years across most market conditions.

How much should I save for retirement per month?

A general guideline is to save 15% of your gross income toward retirement, including any employer match. Starting earlier dramatically reduces the required savings rate thanks to compound growth.

What's better — traditional or Roth 401(k)?

Traditional 401(k) contributions lower your taxable income now; you pay taxes in retirement. Roth contributions use after-tax dollars but grow tax-free. If you expect to be in a higher tax bracket in retirement, Roth is often better.