Retirement Calculator
Project your nest egg and see if you're on track for a comfortable retirement.
About This Retirement Calculator
Planning for retirement is one of the most important financial decisions you'll ever make. This calculator helps you estimate how much money you'll have saved by the time you retire, how long those savings will last, and whether your current contribution rate is sufficient to support your desired retirement lifestyle. It uses compound interest growth on your existing savings, adds the future value of your ongoing monthly contributions, then adjusts everything for inflation to give you a real-dollar picture.
The withdrawal sustainability estimate shows roughly how many years your savings will last at your desired monthly withdrawal rate, accounting for continued growth during retirement. As a rule of thumb, financial planners often suggest the "4% rule" — withdrawing 4% of your portfolio per year — as a safe long-term withdrawal rate for a 30-year retirement. All calculations run locally in your browser; no data is sent to any server.
How to Use
- Enter your current age and the age at which you plan to retire.
- Enter your existing retirement savings and monthly contribution amount.
- Set an expected annual investment return (historically ~7% for a diversified stock portfolio) and inflation rate (~3% historically).
- Enter how much you'd like to withdraw monthly in retirement and your life expectancy.
- Click ✨ Calculate to see projections and a savings growth chart.