Starting from Zero: $1,000/Month Retirement Savings for 30 Years

Contributing $1,000 per month with no existing savings at 7% annual return for 30 years projects to over $1.2 million.

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How to use this tool

Enter current retirement savings, monthly contribution, expected annual return and years until retirement in the fields above.
Results update instantly as you type — or click Calculate.
Read your projected nest egg and the full breakdown beneath it.

Starting from scratch at 35? This calculator shows how $1,000 per month invested over 30 years could build a seven-figure nest egg.

Frequently asked questions

What is the 4% rule?: Research suggests retirees can withdraw 4% of their portfolio in year one, then adjust for inflation annually, with a high probability of the portfolio lasting 30+ years. It's a useful estimate, not a guarantee.
What return rate should I assume?: A diversified stock/bond portfolio has historically returned 6-7% after inflation over long periods. Use 5-7% for planning; stress-test with 3-4%.