Retirement Calculator
Project how much you could have saved by retirement and the yearly and monthly income it could fund using a sustainable withdrawal rate.
How it works
- 1
Enter your ages
Current age and the age you want to retire.
- 2
Add savings and return
Current savings, monthly contribution, expected return and withdrawal rate.
- 3
See your projection
Savings at retirement and the income they can support.
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Frequently asked questions
A guideline suggesting you can withdraw about 4% of your savings in the first year and adjust for inflation afterwards.
How the retirement projection works
Your current savings and monthly contributions grow at the expected annual return, compounded monthly, until retirement. The income figure applies a withdrawal rate to that balance; 4% per year is a widely cited guideline for making savings last around 30 years.
Pensions and social security are not included, and inflation reduces what future money buys. Use a conservative real return and revisit the plan every year. This is not financial advice.