Retirement calculator
Your Retirement Number
We estimate the nest egg ("your number") needed to fund the income you want using a safe withdrawal rate, then the monthly contribution needed to reach it from where you are today.
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Your Retirement Number
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The method
How it works
01
Your number = desired annual income divided by the safe withdrawal rate.
02
We grow your current savings to retirement at the assumed return.
03
If there is a gap, we compute the level monthly contribution that closes it (a sinking-fund payment).
number = income ÷ withdrawalRate; gap = max(0, number − savings·(1+r)^years); monthly = gap · (r/12) ÷ [((1+r/12)^(years·12)) − 1].
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