About this calculator

How-to: enter your current age, retirement age, desired retirement income (in today's money), current retirement savings and monthly contribution. Nest egg target = annual income ÷ 4% (25× rule, from the Trinity Study). We project current savings + contributions forward at your expected return and show the gap. Adjust for inflation by using real return (nominal − inflation).

Frequently asked questions

Is the 4% rule still safe?

The Trinity Study (updated 2023 by Wade Pfau) supports 3.5–4.0% for a 30-year retirement with a 60/40 portfolio. Longer retirements (40+ years, early retirees) should use 3.0–3.5%.

Should I use nominal or real return?

Use real return (net of inflation) — this calculator assumes you enter today's-dollars income and get today's-dollars target. A 7% nominal / 3% inflation portfolio = 4% real. We suggest 5% real as a moderate assumption.

What about Social Security / State Pension?

Subtract expected government pension income from your desired retirement income before running this calc. US SS averages $22k/year; UK State Pension £11.5k; German Rente varies with contributions.

What does the Retirement Nest Egg & Savings Gap Calculator do?

How big does your retirement portfolio need to be, and are you on track? Uses the 4% safe withdrawal rate and adjusts for inflation. How-to: enter your current age, retirement age, desired retirement income (in today's money), current retirement savings and monthly contribution. Nest egg target = annual income ÷ 4% (25× rule, from the Trinity Study). We project current savings + contributions forward at your expected return and show the gap. Adjust for inflation by using real return (nominal − inflation).

Is the Retirement Nest Egg & Savings Gap Calculator free to use?

Yes. Every calculator on Calcurly.com is free, works in your browser without sign-up, and can be embedded on your own website.

How accurate is the Retirement Nest Egg & Savings Gap Calculator?

Results are calculated in real time using industry-standard formulas. Treat the output as a well-informed estimate — always cross-check with local regulations, product datasheets, or a qualified finance professional before committing to a purchase or a job.

What inputs does the Retirement Nest Egg & Savings Gap Calculator need?

Enter values for: Current age, Retirement age, Desired retirement income (annual, today's money), Current retirement savings, Current monthly contribution, Expected real return (%). Sensible defaults are pre-filled where possible so you can start with a single change.

Can I embed the Retirement Nest Egg & Savings Gap Calculator on my own website?

Yes — copy the iframe snippet at the bottom of this page, or use the Embed Generator to customise the size. The embedded version stays in sync with the live calculator on Calcurly.com.