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

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You'll contribute

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Growth earned

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Sustainable monthly draw

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Contributions vs. growth to retirement

Year-by-year table
This projection ignores one thing on purpose.

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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