Retirement Calculator
Plan your retirement with confidence. Project your nest egg at retirement, see how monthly contributions and investment growth build it, find your FIRE number, and estimate the monthly income your savings can provide and how long it will last — with growth charts, milestones and a printable report.
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How Retirement Planning Works
Three steps from your current age to a full retirement projection, income estimate and timeline.
Choose how you want to plan: a basic projection, one with monthly contributions, a FIRE financial-independence target, or a retirement-income drawdown. Pick the mode at the top.
Add your current and retirement ages, current savings, monthly contribution, expected return and inflation rate. Optionally set a desired income and withdrawal rate.
Get your projected balance, monthly retirement income and how long it lasts, plus contribution-vs-growth charts, milestones and a full yearly table. Download a clean PDF report or copy the summary in one tap.
Retirement Projection
Run a basic projection, factor in regular contributions, target financial independence with FIRE, or model how much income your savings can sustain.
Every projection shows both the future balance and its inflation-adjusted value in today's dollars, so a big number never fools you about what it will actually buy.
Everything runs in your browser — no sign-up, nothing sent anywhere, and results update the moment you press Calculate.
Export a polished, branded report with your inputs, retirement summary, growth charts, projections and milestones — ready to save or share with an advisor.
Beyond the balance, see the monthly income it can provide and how many years it lasts, so you can plan for a retirement that does not outlive your savings.
The FIRE mode calculates your financial-independence number and shows whether you are on track to reach it by your target age.
Related Finance Calculators
Round out your money plan with these companion tools.
Retirement glossary
The key ideas behind retirement planning, in plain language.
Retirement Calculator for Long-Term Planning
Retirement planning comes down to a simple question with a lot of moving parts: will the money you save today be enough to support the life you want later? This calculator answers it by projecting how your current savings and monthly contributions grow with compound returns between now and the day you retire — then showing what that balance can actually provide.
Start with your current age, the age you plan to retire, and how long you expect retirement to last. Add what you have saved so far, what you contribute each month, and a realistic expected annual return. Because a dollar decades from now buys less than a dollar today, the calculator also applies your inflation rate and reports the inflation-adjusted value of your nest egg in today's money — the number that really matters.
From your projected balance it estimates a sustainable monthly retirement income using your withdrawal rate, and how many years that income can last. If you are aiming for FIRE — financial independence, retire early — the FIRE mode works out the portfolio size that lets investment returns cover your spending, typically about 25 times your annual expenses, and shows whether you are on track to hit it.
The contributions-versus-growth chart makes the most important lesson visible: for most people, the majority of their retirement balance comes from investment growth rather than the money they contributed, and the earlier you start, the more dramatic that effect becomes. Small, consistent contributions and a long time horizon are what turn an ordinary income into a comfortable retirement.
For a complete plan, pair this with the rest of the suite: model long-term growth with the Compound Interest Calculator, project a portfolio with the Investment Calculator, set a concrete target with the Savings Goal Calculator, measure returns with the ROI Calculator, or plan a home purchase with the Mortgage Calculator.
Frequently Asked Questions
The short, practical answers people ask most about retirement.
A common rule of thumb is to aim for about 25 times your desired annual retirement spending, which corresponds to a 4% withdrawal rate. If you want $40,000 a year from your portfolio, that suggests a target of roughly $1,000,000. Your real number depends on other income like pensions or social security, your expected return, inflation and how long you expect retirement to last — all of which you can model here.
The 4% rule is a guideline suggesting you can withdraw about 4% of your retirement portfolio in the first year, then adjust that amount for inflation each year, with a reasonable chance the money lasts about 30 years. It is a starting point rather than a guarantee — a lower withdrawal rate is safer for early retirees or longer horizons, and a higher rate carries more risk of running out.
FIRE stands for Financial Independence, Retire Early. The idea is to save and invest aggressively so your portfolio can cover your living expenses indefinitely, freeing you from needing a paycheck. Your FIRE number is typically your annual expenses multiplied by 25 (a 4% withdrawal rate); once your investments reach that figure you are considered financially independent.
Inflation erodes the purchasing power of money over time, so a nest egg that looks large in future dollars may buy much less than the same amount today. This calculator shows both the projected future balance and its inflation-adjusted value in today's dollars, so you can see what your savings will really be worth when you retire.
It depends on your balance at retirement, how much you withdraw each year, and the return your remaining investments earn. The calculator estimates the number of years your savings can support your desired income by drawing down the balance while it keeps growing. Withdrawing less, retiring later or earning a higher return all extend how long the money lasts.
Many planners suggest saving 10–15% of your income for retirement, but the right amount depends on your current savings, your target, your expected return and how many years you have left. Use the monthly contribution input to test different amounts and watch how each one changes your projected balance and income — small increases early on compound into large differences by retirement.