Retirement Calculator

Estimate how much you will have saved by retirement, what that is worth in today’s money, how much yearly income it supports at a safe withdrawal rate, and whether your desired income lasts as long as you need — with a year-by-year balance table by age.

This tool runs entirely in your browser.

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How to use the Retirement Calculator

1Enter your age, planned retirement age and the age to plan until.
2Add your current savings, monthly contribution and expected returns before and during retirement.
3Set inflation, the yearly income you want (in today’s money) and a withdrawal rate.
4Read your projected savings, sustainable income and whether the money lasts.

What is the Retirement Calculator?

Savings grow with monthly contributions and compound returns until retirement; the result is shown both in future money and deflated to today’s purchasing power. The 4 % rule suggests withdrawing about 4 % of the balance in the first year is likely to last around 30 years.

The withdrawal rate sets the “income at X %” figure; the separate drawdown check takes your desired income, raises it with inflation every year and withdraws it while the rest keeps earning the retirement return. Real markets fluctuate and taxes, fees and pensions are not included — treat the result as an estimate, not financial advice.

Frequently asked questions

What return should I assume?

Long-term stock market averages are often quoted around 6–7 % before inflation, but they come with large ups and downs. Using a lower rate gives a more cautious plan.

Are pensions or Social Security included?

No. Lower the income you need from savings by the amount you expect from pensions or state benefits.

Is the Retirement Calculator free and private?

Yes. The Retirement Calculator is free, needs no account, and runs entirely in your browser. What you type is never sent to a server or stored.

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