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Retirement Calculator

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Projected savings at retirement $0.00
Years until retirement 0
Total contributions $0.00
Total growth (interest) $0.00
Estimated monthly retirement income $0.00
Estimated annual retirement income $0.00

The withdrawal rate estimate uses your projected balance at a fixed rate — it doesn't account for market volatility in retirement, inflation, or how long your savings need to last. Use it as a starting point, not a guarantee.

Free retirement calculator that projects your savings by retirement age and estimates your monthly retirement income using the withdrawal-rate rule — not just a raw future-value number.

This tool is for informational purposes only and is not a substitute for professional financial or medical advice. Consult a qualified professional before making decisions. See our Disclaimer.

How it works

  1. Enter your current age, retirement age, current savings, and monthly contribution
  2. Add your expected return and a withdrawal rate (4% is a commonly cited guideline)
  3. See your projected nest egg and estimated monthly retirement income

Frequently asked questions

What is the withdrawal rate?

It's the percentage of your savings you'd draw out each year in retirement. 4% is a widely-cited starting guideline (from historical market analysis), but it isn't guaranteed to last through every market condition — a lower rate is more conservative.

Does this account for inflation?

No — the projection uses today's dollars and a flat expected return. Real purchasing power in retirement will be affected by inflation between now and then, so treat the result as an estimate to refine, not a final number.

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From the blog

How much do I need to retire? $50,000 saved plus $500/month can grow to $1 million by 65
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How much do I need to retire? $50,000 saved plus $500/month can grow to $1 million by 65

A retirement calculator that doesn't stop at a future-value number — it converts your projected nest egg into an actual monthly income estimate.

2026-09-01

Update history

  • 2026-09-03 Bounded numeric fields are now sliders instead of number inputs.
  • 2026-09-01 Added: a cover image (a piggy bank growing into a nest egg with a small sun rising behind it) — used as the card thumbnail, social share image, and blog title image.
  • 2026-09-01 Launched: retirement calculator projecting savings by retirement age, plus an estimated monthly/annual retirement income using an adjustable withdrawal rate. Entirely client-side, reuses the compound growth engine.