Estimate how your current retirement savings and monthly contributions could grow before retirement, then explore how those savings may support your planned retirement spending through your expected lifetime.
🏦 Nest Egg Calculator
Project your retirement savings and see how long they’ll last.
Your projection
—What Is a Retirement Nest Egg?
A retirement nest egg is the amount of money you have accumulated to help support yourself after you stop working.
This calculator considers both the accumulation period and retirement spending assumptions.
Inputs
You can enter:
- Current savings
- Monthly contribution
- Annual return
- Inflation rate
- Current age
- Retirement age
- Life expectancy
- Monthly retirement spending
How to Use It
Enter your current financial information first.
Then enter your expected investment return and inflation rate. Finally, provide your retirement age, life expectancy, and expected monthly retirement spending.
Click Calculate Nest Egg to review the projection.
Why Inflation Matters
$4,000 today will not necessarily buy the same amount of goods and services decades from now.
Inflation reduces purchasing power over time, so retirement planning should consider both investment growth and rising expenses.
Example
Suppose you have:
- $50,000 currently saved
- $500 monthly contribution
- 7% annual return
- 3% inflation
- Retirement at age 67
- Life expectancy of 90
- $4,000 monthly retirement spending
The calculator can use these assumptions to estimate your retirement position.
Important Note
No retirement calculator can predict your actual future with certainty. Investment returns, inflation, spending, taxes, healthcare costs, and longevity can all differ from your assumptions.
Use the calculator to compare scenarios rather than treating one result as a guarantee.