Retirement Calculator
Estimate how much you'll have saved by retirement. Enter your current age, target retirement age, current savings, annual contribution and expected annual return to project your retirement nest egg.
How it works
P is current savings, C the annual contribution, r the annual return rate, and n the number of years until retirement. The formula compounds your current savings and contributions with interest.
FV = P(1+r)ⁿ + C · ((1+r)ⁿ − 1) ÷ rWorked examples
Example
Starting at 30 with 10,000 saved, adding 5,000 a year at 7% until 65 grows to roughly 800,000.
Frequently asked questions
How much do I need to retire?
A common rule of thumb is 25× your annual expenses, but it depends on lifestyle, location and other income.
Does this account for inflation?
No. Use a real (inflation-adjusted) return rate, e.g. 5–6%, to see today's purchasing power.
What is a safe withdrawal rate?
The 4% rule suggests withdrawing about 4% of your portfolio in the first year, adjusted for inflation.
Results are estimates provided for information only and do not constitute financial, legal or tax advice. Consult a qualified professional before making financial decisions.
Related calculators
Compound Interest Calculator
Free compound interest calculator: project investment growth with monthly contributions and see total interest earned over time.
FinanceSalary to Hourly Calculator
Free salary to hourly calculator: convert an annual salary to an hourly, daily, weekly and monthly rate based on your work hours.
FinanceMortgage Calculator
Free mortgage calculator: estimate your monthly mortgage payment, total interest and total repayment for any loan amount, rate and term.