🏖️ Retirement Calculator

Estimate your retirement nest egg and see how long your savings will last.

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🏖️ Retirement Calculator

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Related Guide
How Much Do You Need to Retire? A Practical Guide
How age, savings rate, returns and expenses combine to determine your number.
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What is the Retirement Calculator?

This tool projects two things: how large your retirement savings will grow by the time you retire, and how long that money will last once you start drawing it down. It takes your current age, retirement age, life expectancy, current savings, monthly contribution, expected investment returns before and after retirement, and your expected monthly expenses in retirement, combining them into a single side-by-side projection.

How to Use It

Enter your current age and target retirement age, your current savings balance, and how much you contribute monthly. Set an expected annual return for the years you're still working and a separate, typically more conservative, return for retirement. Add your expected monthly expenses in retirement and click Calculate to see your projected nest egg, available monthly income, and the age your funds are projected to last until, all in one result panel.

When to Use It

Use it to check whether your current savings rate is on track, to see the effect of increasing your monthly contribution, to compare retiring at different ages, or to test how a change in expected investment returns changes your outlook before making any real changes to your savings plan.

Who Benefits

Anyone planning for retirement — from someone in their 20s just starting to save to someone a few years out who wants to stress-test their number — can see a concrete projection instead of guessing whether they're saving enough or hoping it works out.

⚠️ This is an estimate only. Social Security, pension income, taxes, and inflation are not factored in. Consult a certified financial planner.

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Frequently Asked Questions

A widely used rule of thumb is to save 25× your expected annual expenses (the '4% rule'). If you need $50,000/year in retirement, you'd need $1.25 million saved. This assumes a 30-year retirement with a diversified portfolio.
A common approach is a higher rate while you're still working and invested mostly in growth assets — historically around 7% for a diversified stock-heavy portfolio — and a lower, more conservative rate in retirement, often 3-5%, once the portfolio shifts toward preserving capital.
It means your projected nest egg and expected returns aren't enough to cover your planned monthly expenses for your full expected lifespan at current settings. Try increasing your monthly contribution, lowering planned retirement expenses, retiring later, or reviewing your expected return assumptions to close the gap.