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    Abound

    Free Retirement Calculator

    How much do you need to retire?

    Enter your savings, contributions, and spending goals. We'll show your projected nest egg, your 4%-rule target, and whether you're on track.

    Your numbers
    yrs
    yrs
    $
    $
    %
    $
    Projected nest egg
    $3.2M
    at age 65
    Target (4% rule)
    $2.0M
    25× $80K/yr
    ✓ You're on track — with $1.2M to spare
    Keep contributing consistently to maintain this cushion.
    Projected balance by age
    Accumulation phase → retirement

    How this calculator works

    The 4% rule, 3% inflation, and our assumptions

    4% withdrawal rule
    We set your target at 25× your annual spending. Withdraw 4% per year and your portfolio should last 30+ years based on historical market data.
    Compound growth
    Your current savings and monthly contributions grow at your chosen annual return, compounded monthly — showing the real power of time in the market.
    Withdrawal phase
    After retirement, the chart shows your balance declining as you spend. A healthy nest egg stays positive well past age 95.
    What's not included
    Social Security, taxes on withdrawals, inflation adjustment to spending, and healthcare costs. Abound's full tool handles all of these.

    What most retirement calculators miss

    Taxes and life events change everything

    A simple projection ignores the details that matter most: pre-tax vs Roth accounts, state income taxes in retirement, a part-time job in your 60s, or a large inheritance. These can shift your retirement date by years.

    Abound's full planning tool models your real effective tax rate, Social Security income, and any scenario you want to test — so you can plan with confidence, not guesswork.

    Pre-tax 401(k) vs Roth IRA
    Tax treatment affects your real take-home in retirement by 15–25%.
    State income tax
    Moving from CA to TX in retirement saves tens of thousands per year.
    Social Security
    Claiming at 62 vs 70 is a $200K+ lifetime decision.
    Part-time income
    Working 20 hrs/week for 5 years can let you retire 3–5 years earlier.

    Go beyond the calculator

    Abound models taxes, Social Security, life events, and your full 30-year income and expense picture — not just a savings number.

    No credit card needed.

    Frequently asked questions

    Abound

    Forecast your savings, income, and costs — and plan confidently toward a strong future.

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    © 2026 Abound. Abound provides planning tools, not financial advice.