Free Retirement Calculator | See How Much You Need to Retire Comfortably

Your Information

Current Age

Retirement Age

Current Savings ($)

Monthly Contribution ($)

Expected Annual Return Before Retirement (%)

Expected Annual Return After Retirement (%)

Expected Monthly Expenses in Retirement ($)

Number of Years Retirement Should Last

Currency

Your Retirement Plan

Enter your information to see your retirement plan

About This Retirement Calculator

This Retirement Calculator helps you estimate how much you need to save for retirement and whether your savings will last. It uses compound interest to project growth and models withdrawal sustainability.

Features include real-time charts, currency support, dark mode, and PDF/CSV export.

What is a Retirement Calculator?

A retirement calculator estimates how much you need to save to maintain your lifestyle after retiring. It factors in current savings, contributions, investment returns, and expected expenses.

Why You Need a Retirement Calculator?

Plan Early: Start saving sooner to benefit from compound interest.
Adjust Goals: See how changes in contributions or returns affect your plan.
Avoid Shortfalls: Ensure your savings last through retirement.
Peace of Mind: Know you're on track for financial freedom.

How to use the Retirement Calculator — Complete guide:

Step 1 — Enter your current age and retirement age

Typically 65–70.

Step 2 — Input current savings and monthly contributions

Include 401(k), IRA, etc.

Step 3 — Set expected returns

7% pre-retirement, 5% post-retirement is common.

Step 4 — Define monthly expenses and years

Aim for 30+ years of coverage.

Example:

Age 35 → 65 | $50k saved | $500/month | 7% return → ~$1.2M at retirement

Frequently Asked Questions:

Is inflation included?

No, but you can increase expenses to account for inflation (e.g., 3% annually).

What’s a safe withdrawal rate?

The 4% rule suggests withdrawing 4% of savings in year 1, adjusted for inflation.

Can I save this plan?

Yes! Click "Save Plan" to store it locally.

Educational Resources:

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