Retirement Savings Calculator

Enter your current age and target retirement age, your current savings, your monthly contribution, and an expected annual return. The calculator compounds your balance month by month until retirement and shows the projected total, how much of it is your own contributions, and how much is investment growth.

The tool applies a withdrawal rate to your projected balance — 4% by default, the widely cited “4% rule” — to estimate a sustainable yearly and monthly income. You can lower it to be more conservative (3–3.5%) or raise it. It's a starting point, not a guarantee your money will last a set number of years.

It's an estimate. It assumes a single, steady return every year and does not account for inflation, taxes, fees, market ups and downs, or changes to your contributions. Real returns vary year to year, so treat the result as a guide and revisit it as your situation changes.

Yes — free, no sign-up, and every figure is calculated in your browser, so nothing you enter is uploaded or stored.