Projected Nest Egg
$350,326.58
Retirement Savings Analysis
Check whether your current savings rate will meet your retirement income goal.
Sustainable Annual Income
$22,425.09
Desired Income
$40,000.00
Surplus / (Gap)
-$17,574.91
You may fall short of your goal — consider increasing monthly savings.
How to use the Retirement Savings Analysis
The Retirement Savings Analysis is free and runs entirely in your browser — no sign-up, and nothing you enter leaves your device. It opens pre-filled with a realistic example, so you can see how it works before replacing any figure with your own; the results update as you type. Press Calculate to refresh the result panel, or Reset to return to the example.
The inputs it asks for:
- Current Savings — a dollar amount.
- Monthly Savings — a dollar amount.
- Years to Retirement — a number.
- Expected Return (Pre-Retirement) — a percentage (enter 6 for 6%).
- Desired Annual Income — a dollar amount.
- Withdrawal Years — a number.
- Expected Return (Retirement) — a percentage (enter 6 for 6%).
Worked example
Using the example values — Current Savings $50,000.00, Monthly Savings $400.00, Years to Retirement 20, Expected Return (Pre-Retirement) 6%, Desired Annual Income $40,000.00, Withdrawal Years 25, and 1 more — the Retirement Savings Analysis returns a Sustainable Annual Income of $22,425.09. It also reports Projected Nest Egg ($350,326.58), Desired Income ($40,000.00), Surplus / (Gap) (-$17,574.91).
Prefer your own numbers? Change any field above and this recomputes instantly.