Retirement Calculator - Nest Egg, Drawdown & Sustainable Monthly Income
Estimate your retirement nest egg and the sustainable monthly income it can provide
How it works
- 1Enter your ages
Current age, planned retirement age, and life expectancy define the accumulation and drawdown windows.
- 2Enter savings and contributions
Current retirement savings plus your monthly contribution during working years.
- 3Set returns and inflation
Higher pre-retirement return, lower post-retirement return, and expected inflation. Enter your target monthly income in today's dollars.
About Retirement Calculator - Nest Egg, Drawdown & Sustainable Monthly Income
Free retirement calculator. Enter your current age, retirement age, life expectancy, current savings, monthly contribution, and expected returns before and after retirement to see your projected nest egg, its inflation-adjusted real value, and the sustainable inflation-indexed monthly income it can support through your drawdown years. Runs entirely in your browser. Retirement Calculator - Nest Egg, Drawdown & Sustainable Monthly Income on 712 Tools runs entirely inside your browser using modern JavaScript APIs - no server ever sees your data. That means instant results, complete privacy, and no upload limits.
Whether you need to estimate your retirement nest egg and the sustainable monthly income it can provide for a debugging session, a quick sanity check, or a production incident, this tool is free to use as many times as you need. There are no watermarks, no sign-up, and no ads inside the tool itself.
Frequently asked questions
Is this a substitute for a financial planner?
No - it's a planning tool. Real retirement planning involves taxes, healthcare, Social Security, pensions, and portfolio glide paths that this simple model doesn't cover. Consult a qualified financial planner.
Why is post-retirement return usually lower?
Most retirees shift toward more conservative, income-oriented investments (bonds, dividend stocks) with lower expected returns.
What's the "4% rule"?
A rule of thumb suggesting you can withdraw 4% of your nest egg in year one and adjust for inflation thereafter with a high chance the money lasts 30 years. This tool computes the withdrawal that exactly depletes the balance.
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