FREE TOOL
Retirement Calculator
Calculate how much you need to save for retirement and whether your current savings are on track.
Projected Balance
$1,434,356
Inflation-Adjusted Value
$509,746
Years to Retirement
35 years
Monthly Income (4% rule)
$4,781
Why Use Our Retirement Calculator?
Compound Growth Projection
Projects your retirement balance using compound interest on both existing savings and regular monthly contributions.
Inflation-Adjusted Value
Shows what your projected balance will be worth in today's dollars after accounting for inflation over the years.
Monthly Income Estimate
Calculates monthly retirement income using the 4% withdrawal rule, a widely used retirement planning benchmark.
Years to Retirement Display
Instantly shows how many years remain until your retirement age so you can see your planning horizon at a glance.
Adjustable Inputs
Change any combination of current age, retirement age, savings, contribution, return rate, and inflation to explore scenarios.
100% Private
All calculation happens in your browser. No financial data is sent to any server.
Frequently Asked Questions
How does the retirement calculator work?
It projects your savings balance by applying compound interest to your current savings, adds the future value of monthly contributions, and shows the total at retirement age.
What is the 4% withdrawal rule?
The 4% rule suggests withdrawing 4% of your retirement balance per year for sustainable income. The calculator applies this to estimate your monthly income in retirement.
What return rate should I use?
A 6-7% annual return is a common conservative estimate for a diversified portfolio. Historical US stock market returns average around 10% before inflation.
Why is the inflation-adjusted value lower?
Inflation erodes purchasing power over time. The inflation-adjusted value shows what your projected balance will actually be worth in today's dollars.
Is my financial data private?
Yes. All calculations happen in your browser. No personal or financial data is sent to any server.
Is the retirement calculator free?
Yes. Completely free with no account required.
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