Retirement Calculator

A common guideline is 25x your desired annual spending (the 4% rule). If you need $50,000/year, aim for $1.25 million.

The 4% rule suggests withdrawing 4% of your savings annually in retirement. A $1M portfolio would provide ~$40,000/year.

Historically, a diversified stock portfolio has returned ~7-10% annually before inflation, or ~5-7% after inflation.

The Retirement Calculator is an online tool that lets you estimate retirement savings, income, and how much to save monthly. It is part of NexTool's collection of free tools designed to help you work faster and more efficiently.

Using the Retirement Calculator is simple: visit the tool page, enter your data or input into the provided fields, and get instant results. Follow the controls on the page. Some functions require sign-in or a paid plan; see Pricing for limits.

The Free plan includes 10 tool uses per day. Some features require an account or a paid plan. Check the controls on the tool page and Pricing for the applicable limits.

The Retirement Calculator returns results based on the inputs and the tool methodology. Check assumptions, units and source dates. Treat projections as estimates. For critical decisions, always consult a qualified professional.

Yes, the Retirement Calculator is fully responsive and works perfectly on smartphones, tablets, and desktop computers. Simply open NexTool in your mobile browser and navigate to the tool — no app download required.