Retirement Calculator
Estimate accumulation and a separate annual retirement withdrawal scenario.
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Savings & Income
Retirement Projection
💡 Recommendations
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Scenario guide
Estimate accumulation and a separate annual retirement withdrawal scenario.
Method and posting
Accumulation posts nominal annual rate ÷ 12 interest, then deposits each month. Drawdown uses real annual return (1 + return) ÷ (1 + inflation) − 1, interest first and the annual withdrawal at year end. The accumulated nominal fund starts this simplified retirement scenario.
Amounts post to two decimal places. Totals use the posted amounts; final loan payments can differ from the regular payment. Use the same currency for every input. A display currency or language does not select a jurisdiction. Rounding ties are away from zero; input amounts round from their decimal representation.
Arithmetic example
120000; 0 → 120000. 100000 × 10% − 10000 = 0.
Assumptions and limits
The 4% income is an illustration, not a safe-withdrawal promise. Longevity is bounded at 200 years; an interest-covering withdrawal is shown separately from a cap. Taxes, sequence risk and benefit eligibility are excluded. Suggestions compare assumptions and are not investment recommendations.
Use anonymous amounts and neutral position names. Copy and CSV controls include the entered position data. Page, account and advertising features have separate data policies; this calculator is not a guarantee of privacy.
About Retirement Calculator
Estimate accumulation and a separate annual retirement withdrawal scenario. Accumulation posts nominal annual rate ÷ 12 interest, then deposits each month. Drawdown uses real annual return (1 + return) ÷ (1 + inflation) − 1, interest first and the annual withdrawal at year end. The accumulated nominal fund starts this simplified retirement scenario.
Use Cases
How to use
Enter current age, retirement age and life expectancy in order.
Enter savings, monthly deposits, nominal return and inflation.
Set monthly income needed at retirement in constant purchasing-power units.
Read the fund, 4% illustration, longevity state and scenario suggestions.
Change one assumption and compare the shortfall again.
Pro Tips
- Enter your values carefully — small differences in inputs can lead to large changes in the Retirement Calculator result, especially for long time periods.
- Use the Retirement Calculator to compare multiple scenarios side by side. Open the tool in several tabs to see how different assumptions impact your outcome.
- Bookmark this Retirement Calculator and return whenever your situation changes — small updates in income, rates, or expenses are easy to recompute.
- Use anonymous amounts and neutral position names. Copy and CSV controls include the entered position data. Page, account and advertising features have separate data policies; this calculator is not a guarantee of privacy.
- Combine this Retirement Calculator with our other financial tools (loan, tax, budget calculators) for a more complete financial picture.
Frequently Asked Questions
It keeps the opening savings and contributions, with no future deposits.
No withdrawal is requested; the old depletion estimate is cleared.