ToolCubbyRetirement Calculator
See whether your savings are on track to fund the retirement you want.
How to use this retirement calculator
- Enter your current age and the age at which you plan to retire.
- Enter your current savings and the amount you save each month.
- Enter an assumed annual return over the years until retirement.
- Enter your expected annual expenses in retirement, then click Calculate retirement.
How the estimate works
Corpus = Savings × (1+r)^n + Monthly × (((1+r)^n − 1) / r) Safe annual income ≈ 4% × Corpus
Your savings and monthly contributions are compounded monthly to retirement age (r = return ÷ 12, n = months to retirement). We then apply a simple 4% safe-withdrawal rule to compare corpus-supported income with your expected expenses. This ignores inflation and is a planning estimate only.
FAQ
What is the 4% rule?
A common planning guideline suggesting you can withdraw roughly 4% of your portfolio each year with a low chance of running out over roughly 30 years.
Should I adjust for inflation?
You can use a "real" return (nominal return minus inflation) to see figures in today's money. The tool does not apply inflation automatically.
Is it private?
Yes — it runs entirely in your browser.