Retirement Calculator
Free retirement calculator. Project your retirement nest egg from current age, savings, monthly contributions, and expected return. See inflation-adjusted income and a year-by-year growth table. Works for 401(k), IRA, and FIRE planning.
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What is Retirement Calculator?
A retirement calculator projects the size of your retirement nest egg by compounding your current savings and recurring monthly contributions at an expected annual return until your chosen retirement age. It then applies a safe withdrawal rate (the 4% rule is a common guideline) to estimate the annual and monthly income you can draw from that nest egg, with an inflation adjustment showing the real purchasing power of those figures in today's dollars. A year-by-year breakdown illustrates how each year's contributions and investment returns build the final balance.
Key Benefits
- See your projected nest egg decades in advance
- Understand the power of compound growth on regular contributions
- Compare inflation-adjusted income against expected retirement expenses
- Test how retirement age, return rate, and contributions change outcomes
- No sign-up, fully client-side and offline
Common Use Cases
- •Plan a 401(k), IRA, or personal retirement savings goal
- •Estimate a safe withdrawal income for FIRE (financial independence) planning
- •Compare retiring early versus working longer
- •Model pension or annuity accumulation phases
How to Use the Retirement Calculator
- Enter your ages: Type your current age and the age you plan to retire (e.g. 30 and 65).
- Enter your savings and contributions: Add your current retirement savings and the fixed amount you contribute each month.
- Set return, inflation, and withdrawal rates: Enter an expected annual return (7% is a common stock-heavy average), an inflation rate (3% is typical), and a safe withdrawal rate (4% is the classic rule).
- Review your projection: See your total nest egg, annual and monthly retirement income, inflation-adjusted figures, and a year-by-year growth breakdown.
Key Features
- Project nest egg from age, savings, monthly contributions, and expected return
- Shows inflation-adjusted nest egg and income in today's dollars
- Applies a flexible safe withdrawal rate (the 4% rule is common)
- Year-by-year growth table with contributions, returns, and balance
- Estimates annual and monthly retirement income at the withdrawal rate
- Copy or download a formatted retirement projection - 100% client-side, no API