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Retirement Calculator - Online Savings & Investment Planner

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Retirement Calculator – Online Savings & Investment Planner

See if you're on track to retire comfortably. Adjust your savings, investment returns, and expenses to build a plan that actually works.

Your Retirement Details
Enter age between 18 and 90.
Must be greater than current age.
$
Enter a valid amount.
$
Enter a positive amount.
%
Enter 0–50%.
%
Enter 0–15%.
$
Enter a positive income.
Must be greater than retirement age.
Your Retirement Outlook

Enter your details and click Calculate.

This calculator uses a growing annuity formula to determine how long your savings will last, accounting for both investment returns and inflation.

Goal Progress
0% Funded

Enter your details to see how close you are to your retirement goal.

Retirement Planning FAQ

This calculator uses well-established financial formulas to project savings growth and retirement spending. It assumes constant annual returns and inflation, which don't always match real-world volatility. For a more comprehensive plan, consult a financial advisor and consider Monte Carlo simulations.

The 4% rule suggests withdrawing 4% of your retirement portfolio in the first year, then adjusting for inflation annually. Historically, this provided a high probability of not outliving money over 30 years. This calculator goes a step further by modeling withdrawals grown by inflation and specific investment returns.

Inflation reduces your purchasing power. A $60,000 income today will need to be much higher in 30 years. Our calculator inflates your desired retirement income up to your retirement age and continues to grow it during retirement, ensuring your plan remains realistic.

The calculator shows how many years your savings will last. If it's less than your planned retirement duration, you'll see a shortfall and a recommended monthly contribution to meet your goal. You can also adjust your retirement age or desired income.

This calculator focuses on personal savings and investments. Social Security benefits can supplement your income, so you might reduce your "Desired Annual Retirement Income" by the expected Social Security amount for a more accurate gap analysis.

Historical stock market returns average about 7-10% per year before inflation. A balanced portfolio might return 5-7%. Be conservative – underestimating returns is safer than overestimating. You can also test different scenarios using the tool.
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