Forecast Your Retirement,
Safe Withdrawal Math.
Free retirement calculators: what your savings become, what the 4% rule pays, the monthly savings your number needs, and your retirement age estimate.
The 4% Safe Withdrawal Rule
Annual spending × 25 gives your baseline target nest egg supported by 30-year historical backtests.
Sequence of Returns Risk
Why market crashes in early retirement matter far more than crashes in year twenty.
Real vs Nominal Growth
Always model future dollars after deducting 2.5–3.0% expected inflation.
RetireMath Calculators
Retirement Nest Egg Projection
What current savings plus monthly contributions become by retirement age — with the contributions-vs-growth split.
4% Rule Withdrawal Calculator
What a nest egg pays annually and monthly under the 4% rule — with a sensitivity table for other rates.
Retirement Savings Needed Calculator
The monthly savings that funds your target retirement income — worked backwards through the 4% rule and growth.
Retirement Age Estimator
When your current savings rate reaches your number — and how each extra percent of savings moves the date.
Strategic Money Guides
Savings rate: the lever that beats everything you cannot control
Returns, markets, and rates are weather. Savings rate is the steering wheel.
The 4% rule, explained like you will actually use it
Where it came from, when it bends, and what to do in the first five years of retirement.
12 mistakes people make with retirement planning
The recurring errors we see in retirement planning — what causes each one, and the habit that prevents it.