Retirement Calculator
Project your retirement savings from your current balance, monthly contributions, and expected return — plus your estimated retirement income.
Retirement savings are projected by compounding your current balance and monthly contributions until retirement age. A common benchmark is to target 25 times your expected annual spending, which pairs with the 4% rule: withdrawing 4% of the balance in year one, then adjusting for inflation, has historically lasted about 30 years.
Projected balance to retirement
Start early, let compounding do the work
Retirement saving rewards time more than anything else. Because returns compound, contributions you make in your twenties and thirties can end up worth far more than the same amounts saved later. This calculator projects your balance at retirement and estimates the monthly income it could support.
Want to see the raw power of compounding, or work backward from a target? Try the compound interest and savings goal calculators.
Frequently asked questions
How much do I need to retire?
A common rule of thumb is 25 times your expected annual spending, which pairs with the 4% withdrawal rule. This calculator estimates your retirement pot and the yearly income it could safely provide.
What is the 4% rule?
The 4% rule suggests you can withdraw about 4% of your retirement savings in the first year, then adjust for inflation, with a good chance the money lasts 30 years. It's a guideline, not a guarantee.
What return should I assume?
Long-term diversified portfolios are often modelled around 5–7% per year. More conservative mixes assume less. Real returns vary year to year, so treat the projection as a ballpark.
Does this account for inflation?
The projection is in today's contribution terms. To keep future spending power in view, consider using an inflation-adjusted return or checking the inflation calculator alongside it.
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