Inputs that matter most
Your retirement age, current savings, contribution rate, expected return, inflation assumption, and withdrawal rate have the biggest effect on the result.
Retirement Calculator
Retirement Calculator
Get a retirement snapshot in 90 seconds. Enter your age, savings, income, and contribution rate to see how small changes may affect your future.
Free to use
No account required
Private by default
Educational estimates only
Your retirement projection is ready
Your retirement projection is ready
Here's your projected portfolio value, estimated retirement income, and one area you could improve today.
Projected portfolio
$0
$0 in today's dollars
Estimated annual income$0
Estimated monthly income$0
Annual contribution$0
What this means
Your action step will appear after the projection runs.
Try adjusting contribution rate, retirement age, or annual return to compare paths.
How this calculator works
How the retirement snapshot is calculated
The calculator projects your current savings and annual contributions forward to your selected retirement age using your return assumption. It also shows an inflation-adjusted value and estimates annual income using your withdrawal rate.
What to do next
Run one conservative case and one optimistic case. If the result feels tight, test a higher contribution rate, later retirement age, or lower withdrawal rate.
Retirement calculator FAQ
Common retirement planning questions
How much money do I need to retire?
It depends on your expected spending, retirement age, investment returns, inflation, and withdrawal rate. A common starting point is estimating annual retirement spending and multiplying it by 25, based on a 4% withdrawal rule.
What annual return should I assume?
Many long-term planning models use a conservative range around 5% to 7% annually after inflation, but actual returns vary year to year.
How does inflation impact retirement?
Inflation reduces purchasing power over time, meaning future expenses may be higher than today's expenses. Retirement projections should account for inflation when estimating future needs.
What is a safe withdrawal rate?
A common rule of thumb is 4% per year, but the right withdrawal rate depends on market returns, retirement length, spending flexibility, taxes, and risk tolerance.
These calculators are for educational purposes only and are not financial, investment, tax, or legal advice. Results are estimates based on the assumptions provided.