---
title: "Retirement Calculator — 4% Rule, Nest Egg Goal & Pension Readiness"
description: "Calculate whether you are on track for retirement using the 4% withdrawal rule. Compare US 401(k), UK State Pension + workplace pension, Canadian RRSP, and Australian superannuation. Free, no ads."
url: "https://worldcalculators.org/calculators/retirement/"
canonical: "https://worldcalculators.org/calculators/retirement/"
---

# Retirement Calculator — 4% Rule & Nest Egg Goal

Calculate whether you are on track for retirement using the 4% withdrawal rule. Compare US 401(k), UK State Pension + workplace pension, Canadian RRSP, and Australian superannuation. Free, no ads.

## Quick Answer

A 30-year-old earning $75,000 contributing 10% to a 401(k) with a 4% employer match, assuming 7% annual returns, would have approximately $1.8 million by age 65 — providing ~$72,000/year under the 4% rule.

## The 4% Rule — Does It Work Globally?

The 4% safe withdrawal rate was developed by William Bengen using US market data. Research suggests it may be too aggressive for other countries with lower historical equity returns:
State pensions supplement private savings in all countries — always factor in Social Security (US), State Pension (UK), CPP (Canada), or Age Pension (Australia).

## Sources & Methodology

Projections apply compound growth to contributions plus any employer match. Retirement systems, contribution limits and state pension ages differ by country; the 4% safe-withdrawal rule is based on US historical market data.

Source: https://worldcalculators.org/calculators/retirement/
Markdown mirror of the HTML page. Prefer this URL for RAG; the interactive calculator still lives on the HTML page.