- Enter Details — Current age, retirement age, savings, monthly contribution, expected return, inflation.
- Calculate — See projected balance, real value, and monthly retirement income.
- View Chart — Visual growth chart showing deposits vs investment growth over time.
- Copy Results — Copy the summary to clipboard.
Retirement Calculator — Plan Your Financial Future
The Retirement Calculator helps you project your savings growth from now until retirement. Enter your current savings, monthly contributions, and expected returns to see how much you'll have — and how much monthly income it can generate using the 4% rule.
How It Works
The calculator compounds your savings monthly, adding your contributions and investment returns each month. It accounts for inflation to show the real purchasing power of your future savings.
Key Metrics
- Projected Balance — Total savings at retirement.
- Total Contributions — How much you actually deposited.
- Investment Growth — Earnings from compound returns.
- Real Value — Inflation-adjusted purchasing power.
- Monthly Income — Sustainable withdrawal using the 4% rule.
The Power of Starting Early
Starting 10 years earlier can more than double your retirement savings. A 25-year-old contributing $500/month at 7% return will have $1.2M by age 65. Starting at 35 with the same contributions yields only $567K — less than half.
Privacy
All calculations run in your browser. No financial data is transmitted.