Nest egg projection, Social Security & pensions, FIRE/Coast FIRE numbers, RMDs, and a Monte Carlo success rate — all free, private, in your browser.
⚡ You're 50+ (or will be during this projection) — catch-up contributions let you add extra to 401(k)/IRA accounts beyond standard limits. Check current IRS limits.
Based on the 25× rule applied to your annual spending goal, and Coast FIRE — the amount needed today to "coast" to your number with no further contributions.
Rough US estimate using a simplified IRS Uniform Lifetime Table factor (~26.5 at age 73) applied to your pre-tax balance at that age. Confirm exact figures with current IRS tables.
Runs randomized-return simulations across your full timeline instead of one fixed average return, and reports how often your money lasted through your life expectancy.
Drag to see the effect on your projected nest egg instantly, without changing your saved inputs above.
Saved only on this device — never uploaded anywhere.
It compounds your current savings and monthly contributions (plus employer match, increasing with an annual raise you set) at your expected pre-retirement return, month by month, until your retirement age.
The safe withdrawal rate (default 4%) estimates how much you can withdraw annually without running out of money. Your income gap is divided by this rate to find your required nest egg.
They're savings targets based on the 25× rule (annual spending × 25). Lean FIRE assumes reduced spending, Regular FIRE uses your entered spending, and Fat FIRE assumes 50% higher spending.
The amount you'd need saved today so that, with zero further contributions, market growth alone carries it to your required nest egg by retirement age.
It runs many simulated retirements using randomized yearly returns (based on your average return and volatility) and reports the percentage where your money lasted through your life expectancy.
US tax-deferred retirement accounts generally require minimum withdrawals starting around age 73. This is a rough estimate using a simplified IRS factor — confirm exact figures with current IRS tables or a tax professional.
No. Every calculation runs locally in your browser. Saved scenarios and history live only in this browser's local storage.
Yes. Save up to three named scenarios and view them side by side in the comparison table.
No. This tool provides educational estimates based on the assumptions you enter — it isn't personalized financial, tax, or investment advice.
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