Retirement Calculator
Retirement isn't an age you hit — it's a number you reach. Let's find yours, see what your current plan actually produces, and figure out exactly what it takes to close the gap.
7% is a common after-inflation stock-market assumption.
Projected nest egg at 60
$812,898
Your freedom number (25× spending)
$1,250,000
Safe monthly income it provides (4% rule)
$2,710/mo
Verdict
Not yet
🐻 Closing the gap: reaching $1,250,000 by age 60 takes about $858/mo at 7% — or the same money with more years. Every year you start earlier shrinks that number more than any return tweak.
Your freedom number is $1,250,000 — and the gap closes at about $858/mo.
Module 10 of the Wealth System turns this exact gap into a dated, milestone-by-milestone plan — and Modules 4–5 build the saving and investing engine that funds it.
Start the free 3-day trialNo card required · quizzes never block your reading
Free guide
Get your free wealth starter guide
Enter your email and we'll send a short, no-hype guide to how money actually works — plus the best next calculators and articles to read. Always free.
We'll never share your email. Unsubscribe anytime.
How this is calculated
Your projected nest egg compounds your current savings and every future monthly contribution at your expected return: each month the balance grows by (1 + r/12) and your contribution is added.
The freedom number uses the 25× rule — the inverse of the 4% safe-withdrawal rate: 25 × your desired annual spending is the portfolio that can historically sustain that spending indefinitely. The calculator also shows the monthly income your projected nest egg supports (balance × 4% ÷ 12).
If you're short, the gap contribution solves the annuity formula backwards: how much per month, compounding at your rate for your remaining years, reaches the target. Time is the dominant variable — which is why the same goal costs dramatically less per month the earlier you start.
Common questions
What is the 4% rule?
A guideline from the Trinity Study: withdrawing 4% of a diversified portfolio in year one, then adjusting for inflation, has historically survived 30+ year retirements. It's why 25× your annual spending is a reasonable independence target — not a guarantee, but a well-studied starting point.
Should I use a nominal or after-inflation return?
Use ~7% (after inflation) and think in today's dollars — it's simpler and more honest. If you use a 10% nominal return, remember your freedom number needs inflating too.
Is it too late to start at 40 or 50?
Later starts need bigger contributions, not miracles — and catch-up contribution limits, peak earning years, and a paid-off house all work in your favor. The worst plan is deciding it's too late and not starting.
Go deeper
Your freedom number & lifetime plan
This math is taught step-by-step in Module 10 of the Bear Bankroll Wealth System — with interactive worksheets that run the numbers on YOUR situation.
No card required · keep it for life with a one-time $97
Educational tool only — estimates, not financial advice. Your numbers stay in your browser and are never sent to our servers.