Retirement Savings Calculator
Grow a starting balance with regular contributions at a fixed return, or sketch the nest egg implied by annual spending and a withdrawal rate. Figures stay on this device. Informational, not retirement advice.
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How to project retirement savings
- Choose projected balance or nest egg from spending.
- For a projection, enter start balance, contribution, return, years, and compounding.
- For a spending invert, enter annual spend and a withdrawal percent.
- Read the balance or nest-egg sketch in the result rows.
- Treat the output as fixed-rate arithmetic, not a retirement plan.
Retirement savings sketch
Fixed-rate nest egg projection or spend invert
| Projection | FV of principal plus level contributions at rate r |
|---|---|
| Nest egg | Annual spend / withdrawal rate |
| r | Periodic rate = annual return / compounds per year |
| n | Total periods = years × compounds |
| Upload | None. Runs in this browser |
| Advice | Informational. Not a retirement plan. |
What this retirement page solves
One mode compounds a starting balance with regular contributions at a constant return. The other divides annual spending by a withdrawal rate to sketch a nest egg. Neither mode loads market forecasts, Social Security, or tax brackets.
Formulas used
Projection uses FV = P(1+i)^n plus an ordinary or due annuity of contributions, where i is the periodic rate. Nest-egg mode uses nest egg = annual spend / (withdrawal rate / 100). Fees and sequence risk stay outside the math.
Nearby calculators
Account wrappers with expense drag sit on Roth IRA and related pages. A fixed withdrawal from a known balance is on annuity payout. Plain compounding without a retirement label is on compound interest.
Use cases
Compare contribution levels at the same assumed return. Back into a nest-egg target from a spending number. Check homework on ordinary versus due contribution timing. Not a personalized plan or product recommendation.
Worked example
Project $50,000 start plus $500 monthly at 7% for 30 years with end-of-month deposits. The page compounds monthly and reports projected balance, total contributions, and growth. Switch to nest egg from spending with $40,000 annual spend at 4% and the sketch is $1,000,000.
Limits
No IRS contribution limits, RMDs, taxes, inflation glide paths, or employer matches. Rate never changes. Informational, not retirement advice. See the disclaimer. CZNull does not receive your numbers.