Retirement Nest Egg Calculator
Project your retirement nest egg and safe monthly withdrawals.
Understanding This Calculator
Build your target retirement nest egg and see exactly how much you can safely withdraw each month using the classic 4% rule or custom rates.
Core Formula
Safe Monthly = (Nest Egg × Withdrawal Rate) / 12
How do healthcare costs factor in?
Plan for $300K+ in out-of-pocket healthcare costs in retirement (per couple) above what Medicare covers. Factor this into your expenses.
Should I pay off my mortgage before retiring?
Not necessarily mathematically optimal if your mortgage rate is low, but it dramatically reduces sequence-of-return risk and simplifies retirement cash flow.
* All calculations above are theoretical estimates. Actual returns vary based on market performance, fees, taxes, inflation, and economic factors. This tool is for educational purposes only — not financial advice.