AtlasCalc💰 FinancebeginnerOffline
Retirement Calculator
Estimate the nest egg you need to retire, and how much to save monthly.
Inputs
Enter your values below.
Result
Your answer appears here.
Enter values and press Calculate — the result appears here.
How it works
The formula behind this calculator.
needed = annualIncome × (1 − replacementRate) / (realReturn × years)
- annualIncome
- Desired retirement income
- replacementRate
- Share covered by Social Security / pension (%)
- realReturn
- Investment return after inflation (%)
Most planners recommend replacing 70–85% of pre-retirement income. The 4% rule says you can withdraw 4% of your nest egg per year with low risk of running out.
Example: Want $40k/yr, 70% covered, 5% real return, 25 years to retirement → $233k/yr saved
Ref: Bengen (1994) — 4% safe withdrawal rate
Tips
- 💡 Most financial advisors recommend replacing 70–85% of pre-retirement income.
- 💡 Social Security / pension benefits reduce the personal savings gap.