See how your savings and investments outside your 401(k) grow over time — then stress-test exactly how long they'll last.

The Nest Egg Calculator and Withdrawal Planner work as a pair. The first shows you how your wealth builds. The second shows you how long it lasts.

The Nest Egg Calculator projects your savings and investments to your target retirement age. Enter your current balance, monthly contributions, and any employer match. A stacked contributions vs growth bar reveals the split between what you save and what the market does for you — often the most eye-opening result in the entire membership. Results show your projected balance in both nominal and today's dollars, your real return rate after inflation, and a 4% Rule income estimate so you know what monthly income your nest egg could support.

Enter your pot, your planned annual withdrawals, and your expected return. See your exact depletion age under your base plan — then see what happens under a sequence of returns stress-test, simulating negative 2% annual returns in years one through five of retirement. A purchasing power risk panel shows what your planned withdrawal will need to be in twenty years just to maintain the same standard of living. Every result is benchmarked against the Bengen 4% Rule.

Both tools model inflation risk, real return rates, and sequence of returns risk explicitly — the three risks most free calculators never address. They also update automatically when rule changes occur.