Retirement Calculator
Estimate your retirement nest egg and whether you're on track to retire comfortably.
The 4% Rule for Retirement
A common retirement guideline is the 4% rule: withdraw 4% of your nest egg per year and it should last 25–30 years. This means: annual income ÷ 0.04 = retirement target.
Example: $60,000/year income needed → $60,000 ÷ 0.04 = $1,500,000 target.
Retirement Account Types
- 401(k): Employer-sponsored; 2024 limit $23,000/year (+ $7,500 catch-up if 50+)
- Traditional IRA: Tax-deductible contributions; 2024 limit $7,000/year
- Roth IRA: Tax-free growth and withdrawals; same limits as Traditional IRA