What does the 4% rule mean?

It estimates that you can withdraw 4% of your savings in the first year of retirement and adjust for inflation while likely not running out.

Because of compounding, the same monthly amount contributed a decade earlier can grow into far more by retirement.

Retirement Calculator | Tsinglin.tech

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Current age

Retirement age

Saved so far ($)

Monthly contribution ($)

Annual return (%)

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Project your nest egg from today through retirement using monthly contributions and compounding. Free, no signup.

How to use Retirement Calculator

Open the toolNo signup and nothing to install; it works as soon as the page loads.
Set “Current age”
Set “Retirement age”
Set “Saved so far”
Set “Monthly contribution”
Set “Annual return”
Read the resultChange any input and the result is recalculated immediately.

Worked example with the defaults

RETIREMENT NEST EGG · $47,527/yr at the 4% rule: $1,188,181

Nothing you enter leaves your device

All of the work happens inside your browser. Whatever you type is never packaged up and sent to a server, and no request this page makes carries it.

That makes it safe for contract amounts, personal details and internal documents you would rather not hand to a third party — close the tab and it is gone.

What this tool does not do

Retirement Calculator only does what a browser can do on its own — it talks to no backend service. So it keeps no history for you and syncs nothing across devices; if you need a record, copy or download the result.

It is also not a substitute for professional judgement. For legal, medical or tax decisions, treat the output as a starting point rather than a final answer.

Frequently Asked Questions

What does the 4% rule mean?: It estimates that you can withdraw 4% of your savings in the first year of retirement and adjust for inflation while likely not running out.
Why start early?: Because of compounding, the same monthly amount contributed a decade earlier can grow into far more by retirement.