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Retirement Calculator

Estimate how much you'll have saved by retirement. Enter your current savings, monthly contributions, years until retirement, and expected annual return.

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What is Retirement Calculator?

Retirement Calculator projects how much you will have saved by retirement based on current savings, monthly contributions, expected return, and years remaining. Results are estimates for planning purposes.

How to Use the Retirement Calculator

  1. Enter your current savings balance.
  2. Enter how much you contribute each month.
  3. Set the number of years until you plan to retire.
  4. Enter an expected annual return rate (7% is a common long-term estimate for diversified stocks).

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How the Calculation Works

The calculator uses two components: (1) current savings compounded annually, and (2) monthly contributions compounded monthly. These are added together to give the total retirement balance.

The 4% rule estimates a safe annual withdrawal rate. Monthly income = total / 300.

Frequently Asked Questions
What return rate should I use?

7% is a commonly cited long-term average for diversified equity portfolios (inflation-adjusted). Use 4—% for a conservative estimate.

Is my data sent anywhere?

No. All calculations run in your browser. Nothing is sent to any server.