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About the retirement calculator
How much will your savings be worth when you stop working? This calculator grows your savings with your monthly contributions and your expected return until your retirement age, and then shows you three things:
- The amount at retirement
- What it is worth in today's money (after inflation)
- A monthly income you could take from it
Open More options to add an employer match, a yearly increase of your saving, inflation, and the income you want. Then the calculator tells you if you are on track — or how much more to save per month to reach your goal.
How to use it
- Type your age now and your retirement age
- Type what you have saved so far and what you save per month
- Choose the expected return per year — the buttons give 3%, 5% and 7%
- Open More options to add employer money, yearly increases, inflation and a goal
- Read the amount at retirement, today's value and the monthly income
Example
35 years old, retiring at 67, $30,000 saved, $500 a month, 6% return, 2.5% inflation:
- About $753,800 at retirement
- Worth about $342,000 in today's money
- About $2,500 a month at that time (4% rule) — about $1,140 a month in today's money
Starting early matters. With 6% a year until age 67, saving from zero:
| Start at age | $200 a month | $500 a month | $1,000 a month |
|---|---|---|---|
| 25 | $433,772 | $1,084,430 | $2,168,859 |
| 35 | $224,071 | $560,178 | $1,120,355 |
| 45 | $106,975 | $267,438 | $534,876 |
| 55 | $41,590 | $103,974 | $207,948 |
Ten years of waiting from age 25 to 35 cuts the result by almost half — time is worth more than money.
The 4% rule
A common rule of thumb says you can take 4% of your savings in the first year of retirement, then raise the amount with inflation, and your money will last about 30 years. So $1,000,000 gives about $40,000 a year, or $3,333 a month. It is a guide, not a promise — you can change the yearly withdrawal rate under More options.
Employer match and yearly raises
- If your employer adds money to your plan, type it under Employer adds per month. It is free money.
- If you plan to save a bit more every year, type the percent under Yearly increase of your saving. Even 3% a year makes a big difference.
Frequently asked questions
How much do I need to retire?
It depends on the life you want. A common target is 25 times your yearly spending — that is the 4% rule turned around. Type the income I want per month and the calculator shows the amount you need.
What return should I use?
Over many years, stock-heavy funds have returned roughly 5%–7% after inflation in the past, but nothing is guaranteed. Use a lower number to stay safe. The buttons give 3%, 5% and 7%.
Does the calculator include inflation?
Yes. It shows the result in today's money too, using the inflation per year from More options. Inflation lowers what your savings can buy.
What about Social Security or a pension?
Type the monthly amount you expect (in today's money) under Pension or state pension per month. It is taken from the income you want before the calculator works out the nest egg you need.
Does it include taxes?
No. Taxes depend on the kind of account and on your country. Treat the result as before tax.
Is this financial advice?
No. It is a planning tool and the real future will be different. For a full plan, talk to a qualified adviser.
Good to know
- Works with any currency — choose it at the top
- Your numbers are saved only in this browser
- Nothing you type is sent anywhere
Related tools
- Compound Interest Calculator — how money grows
- Inflation Calculator — what money buys later
- Savings Goal Calculator — save for shorter goals
- Budget Calculator — find the money to save
- Net Worth Calculator — where you stand today
