Retirement calculator.
Estimate whether you are on track for retirement using savings, contributions, income growth, inflation, life expectancy, other income, and withdrawal-rate planning.
Use the Retirement Calculator.
Enter your retirement details and compare projected savings against the amount needed after inflation and other retirement income.
Retirement details
Age and income setup
Start with age, target retirement date, life expectancy, income and currency.
Savings and contributions
Include current retirement savings, monthly contributions, employer match and contribution growth.
Returns, inflation, and spending
Model investment returns before and after retirement, inflation, desired spending, and other income.
Retirement balance over time
Projected savings before retirement and drawdown after retirement.
About the Retirement Calculator
This retirement calculator estimates how much your savings may grow by retirement age and whether that balance could support your desired retirement spending. It includes current savings, monthly contributions, employer match, income growth, inflation, investment return, other retirement income, withdrawal rate, and life expectancy.
What makes this retirement estimate more complete
A useful retirement projection should not stop at a future balance. It should compare that balance with a retirement spending target, adjust that target for inflation, subtract expected pension or Social Security-style income, and estimate whether savings could last through life expectancy. This calculator includes all of those moving parts in one page.
How the calculation works
During your working years, the calculator compounds current savings, adds monthly contributions, grows contributions over time, and optionally adds employer match. At retirement, it estimates required annual withdrawals after other income. It then compares projected savings with either a life-expectancy drawdown target or a withdrawal-rate target such as the 4% rule.
How to use the results
If the readiness score is below 100%, try increasing monthly contributions, delaying retirement, lowering planned spending, increasing expected other retirement income, or testing a different investment return. If the score is above 100%, the plan may have a cushion, but market volatility, taxes, healthcare costs, and inflation can still change the outcome.
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Retirement Calculator FAQ
Quick answers about savings, inflation, Social Security, pension income, the 4% rule, withdrawal planning, life expectancy, and retirement readiness.
How much money do I need to retire?
The amount depends on annual spending, other retirement income, inflation, investment returns, life expectancy, and withdrawal strategy. A simple rule divides annual spending by a withdrawal rate, such as 4%, but a more detailed plan considers how long the money must last.
What is the 4% rule?
The 4% rule is a planning guideline that suggests withdrawing about 4% of retirement savings in the first year of retirement and then adjusting withdrawals for inflation. It is useful for estimates, but it is not a guarantee.
Should I include Social Security or pension income?
Yes. Enter expected monthly other retirement income if you expect Social Security, state pension, private pension, annuity income, rental income, or part-time work. This lowers the amount your portfolio needs to provide.
Does inflation matter for retirement?
Yes. Inflation reduces future buying power. This calculator inflates future retirement spending and also shows the projected retirement balance in today's money so the estimate is easier to understand.
Why include life expectancy?
Life expectancy estimates how many years your savings may need to support withdrawals. Planning to a later age creates a larger target and helps reduce longevity risk.
What return should I use?
Use a reasonable long-term estimate and consider using a lower return during retirement because many people reduce portfolio risk after retiring. The calculator separates pre-retirement and post-retirement returns.
Is this calculator financial advice?
No. It is an educational estimate. Actual outcomes depend on markets, taxes, fees, spending, health costs, contribution limits, and personal circumstances.