PiggyRetirement Calculator
Project your nest egg at retirement and the monthly income it could sustain using the 4% rule.
Your situation
Projected savings at retirement
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Est. monthly income (4% rule)
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Total contributed
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Growth from returns
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Nest egg projection
Projected balance by age
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How the projection works
Your current savings and monthly contributions are compounded monthly at your expected return until retirement age. The income estimate uses the widely cited 4% rule: withdrawing 4% of the portfolio in the first year of retirement (then adjusting for inflation) has historically sustained a 30-year retirement in most market scenarios.
Frequently asked questions
Is the 4% rule still valid?
It remains a reasonable planning baseline, though some researchers now suggest 3.5%–4% for longer retirements or conservative assumptions. It's a starting point for planning, not a guarantee.
How much should I have saved by age?
A common benchmark: 1× your salary by 30, 3× by 40, 6× by 50, 8× by 60, and 10× by 67. Behind the curve? Increasing the contribution rate matters more than chasing returns.
Should I include Social Security?
This calculator projects personal savings only. Social Security typically replaces 30–40% of pre-retirement income for average earners, so your total retirement income will usually be higher than the figure shown.