Retirement Nest Egg & FIRE Calculator
Plan your path to financial freedom. Calculate your total retirement nest egg requirement based on the 4% Safe Withdrawal Rule, project 401(k) / IRA investment growth, and see your exact projected retirement age.
How to Use Retirement & FIRE Calculator
Current Age & Target Retirement
Enter your age now and the age you want to retire.
Current Savings & Monthly Additions
Input existing portfolio balance and planned monthly investments.
Desired Annual Retirement Income
Specify annual spending needed in retirement in today's dollars.
About Retirement & FIRE Calculator
The Trinity Study established the '4% Rule': withdrawing 4% of a diversified stock/bond portfolio in the first year of retirement, and adjusting that dollar amount annually for inflation, historically gave a 95%+ probability of surviving 30+ years without running out of money.
Key Features
- The 4% Safe Withdrawal Rule (Bengen Rule) milestone modeling
- Inflation-adjusted purchasing power calculations (default 3% inflation)
- Portfolio growth projection based on historical equity returns (7% real / 10% nominal)
- Interactive timeline showing accumulation phase and retirement decumulation phase
- Supports Social Security and pension offsets
Frequently Asked Questions
Related Tools
More in Finance & InvestmentCompound Interest Calculator
Visualize the exponential growth of your investments over 1 to 30 years with compounding interest.
CAGR (Compound Annual Growth Rate) Calculator
Calculate Compound Annual Growth Rate (CAGR) and projected future investment values over time.
Savings Goal & Monthly Deposit Calculator
Calculate the exact monthly contribution needed to reach your savings target with interest compounding.