Retirement Calculator
Project your retirement savings from your age, contributions and expected return — plus estimated retirement income.
Income estimate uses the 4% annual withdrawal rule.
DISCLAIMER: This calculator provides estimates for general informational and educational purposes only and is not financial, investment, tax, or legal advice. Results are approximate and may not reflect your actual situation, fees, taxes, or current rates. Consult a qualified professional before making financial decisions.
What Is the Retirement Calculator?
The Retirement Calculator projects how big your retirement nest egg could grow by your target age, based on your current savings, monthly contributions and expected annual return. It also estimates the yearly and monthly income that pot could provide using the 4% withdrawal rule. Everything is calculated in your browser.
How It Works
Enter your current age and target retirement age, your current savings, your monthly contribution and an expected annual return. The projected balance, total contributions, growth and estimated retirement income update instantly.
When to Use It
Use it to plan for retirement, set a savings rate, sanity-check a 401(k) or pension, or see how starting earlier or saving more changes your outcome.
Frequently Asked Questions
- What is the 4% rule?
- A common guideline that you can withdraw about 4% of your retirement savings in the first year (adjusted for inflation after) with a good chance the money lasts ~30 years. It's a rough planning estimate, not a guarantee.
- Does it account for inflation?
- No. Returns and contributions are treated in today's terms. For real spending power, use a more conservative return or adjust contributions over time.
Last reviewed: 2026-06-27