Retirement Calculator
Project your savings to retirement and see how long they last and what to save.
Will Your Savings Last As Long As You Do?
Enter your age, what you have saved, what you put away each month and the income you want in retirement, and the calculator projects your savings month by month — growing with your contributions and investment returns until you retire, then shrinking as you draw the income you need on top of any pension or Social Security.
Everything is inflation-adjusted, so the income you ask for keeps its buying power for the whole of retirement. You see the balance at retirement in both future and today’s money, the age the money runs out (or confirmation that it outlasts your plan), the monthly contribution that would make it last exactly, and what the classic 4% rule would allow.
Key features
- Month-by-month simulation of contributions, returns and withdrawals.
- Inflation built in — income and results in today’s money.
- Pension and Social Security offset what you draw from savings.
- Required monthly saving to last exactly to your plan-to age.
- Chart of your balance by age, with retirement marked.
This tool runs entirely inside your browser using native Web APIs. Your files and text are never uploaded to a server, never logged and never shared with third parties.
How to use: Retirement Calculator
- Enter your ages
Your age now, when you plan to retire and how long the money must last. - Add savings and contributions
Include employer matching in the monthly figure. - Set returns and inflation
Conservative figures give a safer plan; 5–7% before retiring is typical for a balanced portfolio. - Read the verdict
If the money runs out early, the needed monthly saving shows the gap.
Technical specifications
| Processing location | Entirely in your browser — no server round trip |
|---|---|
| Data uploaded | None. Files and text never leave your device |
| Price | Free — no account, no trial, no usage cap |
| Category | Calculators |
| Works offline | Yes, once the page has loaded |
| Browser support | Chrome 90+, Edge 90+, Firefox 90+, Safari 15+ |
| Interface languages | English, 中文, हिन्दी, Español, العربية |
Frequently asked questions
How much do I need to retire?
A common rule of thumb is 25 times the yearly income you will need from savings — the inverse of the 4% rule. If you want $45,000 a year and a pension covers $18,000, you need about 25 × $27,000 = $675,000. This calculator works it out exactly for your ages, returns and inflation.
What is the 4% rule?
It says you can withdraw 4% of your savings in the first year of retirement and raise that amount with inflation each year, with a high chance the money lasts 30 years. It comes from US historical market data and is a guideline, not a guarantee.
What return should I assume?
Long-run stock market returns have averaged roughly 7% a year above inflation, bonds much less. Many planners use 5–6% before retirement and 3–4% during it, when portfolios usually hold more bonds. Try a lower figure to see how sensitive your plan is.
Does it include taxes?
No. Enter the income you want after tax, or gross it up to cover the tax you expect to pay on withdrawals. Tax treatment differs between accounts and countries.
Is this financial advice?
No — it is a planning estimate based on the assumptions you enter. For decisions about your own money, speak to a qualified financial adviser.