Xpenvo: AI Personal Finance Coach & Budget Tracker

Currency

Current Age

Target Retirement Age

Current Retirement Savings ($)

Monthly Contribution ($)*

Annual Income ($)

Expected Annual Return (%)

Withdrawal Rate (%)

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Fill in the fields to see your results

How to use this calculator

Enter your age
Input your current age and target retirement age.
Add current savings
Enter how much you have already saved for retirement.
Set monthly contribution
Enter what you contribute monthly (401k, IRA, pension, etc.).
Enter income
Add your annual income to calculate your 4%-rule target.
See if you're on track
Get your projected nest egg, retirement income, and any gap to close.

: The 4% rule states that retirees can withdraw 4% of their total portfolio each year with a high probability of the money lasting 30+ years. To use it: multiply your desired annual retirement income by 25 to get your target nest egg.
: Compound interest is the most powerful force in retirement planning. Starting at 25 vs 35 with the same monthly contribution can result in 50-100% more savings at retirement — the additional decade of compounding doubles or triples the outcome.
: FIRE (Financial Independence, Retire Early) is a movement targeting early retirement — often in your 30s or 40s — through extreme savings rates (40-70% of income) and the 4% withdrawal rule. Use this calculator with an early retirement age to model your FIRE number.