Retirement Nest Egg Calculator

Last updated: August 16, 2026 · Default rate uses 2019–2026 CPI pace (~3.9%/yr)

How much money do you need at retirement if inflation keeps up? A $60,000 lifestyle in 2026 dollars will cost a lot more in 2035 or 2045 — even if inflation cools from the 2022 peak. This calculator takes your target spending in today’s dollars, the year you plan to retire, and an assumed inflation rate, then shows what that lifestyle costs in retirement-year dollars and the nest egg implied by a withdrawal rate (default 4%).

The default 3.9% rate is roughly the annualized CPI pace from 2019 through mid-2026. Use the presets to stress-test 2% (Fed target), 4%, or 5% sticky inflation. For the full retirement picture, see our Retirement Inflation hub, Social Security COLA Gap, and RMD Calculator.

Annual spending you need (today’s dollars)

Year you plan to retire

Assumed annual inflation (%)

Withdrawal rate at retirement (%)

Classic “4% rule” default. Lower = larger nest egg needed.

If inflation runs 3.9%/year for 15 years until 2041:

You’ll need about $106,509/year in 2041 dollars

Nest egg target: $2,662,714

That’s $60,000 today, inflated 78% by 2041, then capitalized at a 4% withdrawal rate.

Same spending, different inflation rates

Inflation	Annual need in 2041	Nest egg @ 4%
2%	$80,752	$2,018,803
3%	$93,478	$2,336,951
3.9% (recent pace)	$106,509	$2,662,714
4%	$108,057	$2,701,415
5%	$124,736	$3,118,392

About this calculator

Future spending = today’s spending × (1 + inflation rate)^{years until retirement}. Nest egg = future annual spending ÷ withdrawal rate. This is an educational illustration — not investment, tax, or financial advice. Actual inflation, returns, taxes, Social Security, and healthcare costs will differ.