# All-In-One Retirement Calculator Step 2: Computing Nest Egg Size and Monthly Saving Amount

The All-In-One Retirement calculator is easy to use. After you enter your annual expenses, savings and income numbers, the calculator computes the amount of money that you need to accumulate before you retire and the amount that you need to invest each month to achieve that nest egg.

The calculator adjusts your current expenses for inflation at three
percent each year and grows your current savings and investments at six
percent each year. Then, the calculator computes the amount of money that
you need to accumulate* *in* addition *to any current retirement
savings and future income. This additional money plus what you already
have in saving and investment comprises your retirement nest egg.

Finally, the calculator determines the amount of money that you must
save each month from now until you retire to give you the *additional* amount of money required to meet your nest egg goal.

If the amount of money you have already saved plus your expected retirement income meet or exceed your retirement expenses, you will not have to save any more money and the calculator will display zero amounts.