Retirement Calculators
Project retirement savings, estimate how long your nest egg may last, and model withdrawal rates and contributions. These tools are part of the MoneyMetric HQ Savings & Investing toolkit.
Plan your retirement numbers
Start with the Retirement Savings Calculator, then explore compounding, returns, and contributions to see how your nest egg may grow.
Retirement Savings Calculator
Estimate retirement savings accumulation and potential retirement income.
Calculate NowCompound Interest Calculator
See how your money grows over time with the power of compounding.
Calculate NowInvestment Return Calculator
Calculate investment gain, total return and annualized return.
Calculate NowDollar-Cost Averaging Calculator
Estimate investment accumulation from repeated purchases over time.
Calculate NowSavings Goal Calculator
Set a savings goal and find out how much to save each month to reach it.
Calculate NowHigh-Yield Savings Calculator
Estimate savings growth using an annual percentage yield (APY).
Calculate NowUnderstanding your retirement numbers
Your FI Number
A common target divides annual retirement spending by an assumed withdrawal rate to estimate the portfolio that may support it.
Compounding Over Time
Returns on past returns can grow a portfolio faster than contributions alone — time in the market matters more than timing.
Withdrawal Rate
The share of a portfolio you draw each year. A higher rate funds more spending but increases the risk of running out sooner.
Common retirement questions, answered
How much should I save for retirement?
A common framework is to estimate your annual retirement spending and multiply it by 25–30 to get a target portfolio, reflecting a roughly 4% withdrawal rate. Your real target depends on spending, lifestyle, and other income sources.
What is the 4% rule?
The 4% rule is a historical planning heuristic: withdrawing about 4% of a balanced portfolio in the first year, then adjusting for inflation, may have lasted roughly 30 years in past market conditions. It is not a guarantee of sustainable withdrawals.
Should I save for retirement or pay off debt first?
It depends on your debt's interest rate. High-interest debt often costs more than investment returns are likely to earn, so paying it down first can make sense. Lower-rate debt may be balanced against retirement contributions and an employer match.
Can I retire before traditional retirement age?
You can plan to leave the workforce earlier, but early retirement often means a longer horizon to fund, larger healthcare costs before Medicare, and rules around early withdrawal from tax-advantaged accounts. Model the numbers before committing.
MoneyMetric HQ retirement calculators are educational tools. Investment returns are uncertain, and withdrawal strategies involve risk — the 4% rule is a historical planning heuristic, not a guarantee of sustainable withdrawals. Results are estimates and do not constitute personalized financial advice. See our Financial Disclaimer.