Retirement Estimator

Planning for a US Retirement

Retirement in the United States requires careful planning. Unlike generations past where corporate pensions were the norm, today's workers rely heavily on self-funded accounts like 401(k)s and IRAs. Our Retirement Estimator projects your future nest egg based on a conservative 7% annual market return.

The 4% Rule

A common guideline in US retirement planning is the "4% Rule." It suggests that if you withdraw 4% of your total portfolio value in your first year of retirement (and adjust for inflation thereafter), your money has a high probability of lasting 30 years.

For example, if this calculator estimates a $1,000,000 nest egg, you could safely withdraw approximately $40,000 per year.

Frequently Asked Questions

Should I max out my 401(k)?

If your employer offers a matching contribution, you should always contribute at least enough to capture the full match—it is literally free money. After that, prioritizing a Roth IRA is often a smart move.

Does this include Social Security?

No, this calculator only estimates your personal investment portfolio. You will likely receive US Social Security benefits on top of this amount depending on your earning history.