The 4% rule states that you can withdraw 4% of your nest egg in year one, then adjust for inflation annually, with high confidence your money lasts 30 years. Originated from the Trinity Study.

What return should I assume?

Real return (after inflation) of 5–7% for a diversified stock portfolio. Be conservative to avoid shortfalls.

Finance

Retirement Calculator

Estimate your nest egg at retirement and the safe monthly income you can withdraw using the 4% rule. Includes inflation, Social Security, and contribution growth.

Current age

Retirement age

Current savings

USD

Monthly contribution

USD

Annual return

Inflation

Monthly Social Security

USD

Average US 2024 ≈ $1,900/mo.

Withdrawal rate

Classic 4% rule.

Three retirement benchmarks

By 30: 1× your salary saved
By 40: 3× your salary
By 50: 6× your salary
By 60: 8× your salary
By 67 (retirement): 10× your salary

If you're behind, increase contributions by 1% of salary each year until you catch up.

Frequently asked questions

What is the 4% rule?

Withdraw 4% of your nest egg in year one, adjust for inflation annually. ~95% chance money lasts 30 years (Trinity Study).

How much do I need to retire?

25× your annual expenses is a common target.

What return to assume?

Real return (after inflation) of 5–7% for a diversified stock portfolio.