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Retirement Calculator
Model how current savings and monthly contributions may grow before retirement, then compare inflation-adjusted withdrawals through a planning age. Every rate is your assumption; results are not a forecast.
How does this retirement calculator estimate future savings?
It compounds an assumed annual return monthly, adds each monthly contribution at month-end until retirement, then models an annual withdrawal that increases yearly by your inflation assumption. The base and conservative scenarios use separate return assumptions.
Frequently asked questions
How does this retirement calculator estimate future savings?
It compounds an assumed annual return monthly, adds each monthly contribution at month-end until retirement, then models an annual withdrawal that increases yearly by your inflation assumption. The base and conservative scenarios use separate return assumptions.
Are my financial inputs uploaded or saved?
No. The projection runs in this browser. Inputs are not uploaded or stored by this tool.
What does the conservative scenario mean?
It repeats the same contribution, withdrawal and inflation assumptions using the lower annual return you enter. It is a comparison scenario, not a probability, guarantee or worst-case market simulation.
Does this include Social Security, pensions or taxes?
No. It models only the savings, contributions, returns, inflation and withdrawals entered here. Add other income or costs separately; tax rules and benefits depend on location and personal circumstances.
Are the projected returns guaranteed?
No. A constant return assumption simplifies the math and does not represent variable markets, investment risk or future results. The calculator is educational and is not financial, tax or investment advice.