Finance
Retirement Calculator
Plan retirement savings with growth projections and gap analysis.
Savings Growth Over Time
Estimates only. Consult a financial advisor for personalized advice.
How it works
A powerful retirement planning calculator that projects your savings growth and analyzes whether you're on track for a comfortable retirement. Make informed decisions about your financial future with comprehensive projections and personalized insights.
Enter your current age, target retirement age, existing savings, monthly contributions, expected investment returns, inflation rate, and estimated monthly expenses in retirement. The calculator uses compound growth formulas to project your nest egg at retirement age.
See your total projected savings at retirement, including both your current savings growth and the future value of your ongoing contributions. The calculator accounts for the time value of money and compound interest over your working years.
Understand inflation's impact with the inflation-adjusted value, showing what your retirement savings will actually be worth in today's dollars. This crucial figure helps you plan realistically for future expenses that will cost more due to inflation.
The 4% rule calculation estimates your sustainable monthly income from savings during retirement. This widely-used guideline suggests withdrawing 4% annually provides a high probability of your money lasting 30 years. Compare this income to your expected expenses.
The years your savings will last calculation shows how long your nest egg can support your desired lifestyle. This projection considers your expected return rate during retirement and your planned withdrawal amount.
Get instant feedback with the status badge: green "ON TRACK" if your savings will last over 25 years, amber "REVIEW PLAN" if 15-25 years, or red "SAVINGS GAP" if less than 15 years. This visual indicator helps you quickly assess your retirement readiness.
The savings growth line chart visualizes your portfolio growth over time, making it easy to see how compound interest accelerates your wealth building in later years. Use this tool regularly to adjust your savings rate and stay on track for the retirement you envision.