Constant returns are a classroom tool
Real portfolios rise and fall. A flat 7% (or any number you type) is useful for seeing how time and contribution size dominate, and how fee drag compounds against you. It is not a forecast.
Future-value mode grows starting balance plus annual contributions for N years. Years-to-target mode walks forward until the balance reaches your goal or 80 years elapse.
Fee drag habit
If your all-in fees are about 0.5%, try typing 6.5 instead of 7. See compound growth and fees. Pair with the match calculator when deciding how hard to defer.
Goals versus spending plans
A projected balance is not a withdrawal plan. Sequence-of-returns risk, Social Security and healthcare costs need separate analysis with a professional when stakes are high.
Privacy and honesty
Calculations run locally in your browser on NestEgg. We do not need an account and we do not receive the numbers you type. Advertisers help keep the tools free; ads are labelled. Affiliate links, when present, use rel="sponsored" and are described in the affiliate disclosure.
NestEgg provides educational arithmetic only. Results are estimates. Confirm figures with primary sources and licensed professionals.
Using this tool responsibly
Enter figures from your own documents when you need a serious plan. Change one input at a time when comparing scenarios so cause and effect stay obvious. Revisit after life events or new plan documents.
Write down the scenario you chose and the assumption that mattered most. Bring that short note to a conversation with the right licensed professional for your topic.
Privacy and honesty
Calculations run locally in your browser on NestEgg. We do not need an account and we do not receive the numbers you type. Advertisers help keep the tools free; ads are labelled. Affiliate links, when present, use rel="sponsored" and are described in the affiliate disclosure.
NestEgg provides educational arithmetic only. Results are estimates. Confirm figures with primary sources and licensed professionals.
Using this tool responsibly
Enter figures from your own documents when you need a serious plan. Change one input at a time when comparing scenarios so cause and effect stay obvious. Revisit after life events or new plan documents.
Write down the scenario you chose and the assumption that mattered most. Bring that short note to a conversation with the right licensed professional for your topic.
Privacy and honesty
Calculations run locally in your browser on NestEgg. We do not need an account and we do not receive the numbers you type. Advertisers help keep the tools free; ads are labelled. Affiliate links, when present, use rel="sponsored" and are described in the affiliate disclosure.
NestEgg provides educational arithmetic only. Results are estimates. Confirm figures with primary sources and licensed professionals.
Using this tool responsibly
Enter figures from your own documents when you need a serious plan. Change one input at a time when comparing scenarios so cause and effect stay obvious. Revisit after life events or new plan documents.
Write down the scenario you chose and the assumption that mattered most. Bring that short note to a conversation with the right licensed professional for your topic.