Quiet Zeros

Calculators / Saving & investing

Retirement projection

Where today's balance and steady contributions land by retirement age — and the monthly income that nest egg could sustain. Nothing you type leaves this page.

Enter an age between 16 and 80.

Enter an age between 30 and 85.

$

Enter $0 to $100,000,000.

$

Include any employer match — it's part of the contribution.

Enter $0 to $1,000,000.

%

Enter 0 to 30%.

Projected at retirement

—

You'll contribute

—

Growth earned

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Sustainable monthly draw

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Contributions vs. growth to retirement

Year-by-year table

How this is calculated

The projection compounds your balance monthly and adds contributions, exactly like the compound interest tool. The "sustainable monthly draw" applies the 4% rule: withdrawing 4% of the nest egg in year one (then adjusting for inflation) has historically survived 30-year retirements in most market sequences.

monthly draw ≈ nest egg × 4% ÷ 12

What to watch

These are nominal dollars — $1M in 30 years buys far less than $1M today. A quick correction: use a real return (return minus ~2.5–3% inflation) in the return field, and the whole projection reads in today's dollars.

Notes

Ignores taxes, fees, Social Security and market sequence risk. The 4% rule is a planning heuristic, not a guarantee — many planners now model 3.3–4%.

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