Retirement Calculator

Use six core inputs to estimate your retirement corpus, retirement goal amount, and projected readiness in a clear, professional retirement plan view.

Assumptions used
Model uses: 8% pre-retirement return, 5% retirement return, 2% yearly savings step-up, 3% inflation, and planning horizon to age 90.
30 years
$60,000
$10,000
60 years
$500
$4,000

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Retirement Snapshot
$0
Projected savings at retirement age 60
Building toward goal
Projected vs target 0% funded
$0 Estimated monthly retirement income Based on your projected portfolio at retirement
Age 0 Money lasts till age At your spending level
This chart estimates how your portfolio may grow before retirement and how it may decline once withdrawals begin.

What this means

Adjust your assumptions to see how contribution increases, later retirement, or lower spending can change the outcome.

  • Increase monthly contributions to close a funding gap.
  • Delay retirement to extend compounding years.
  • Stress-test spending assumptions before relying on the result.

Assumptions used

Retirement length30 years
Contribution step-up2% yearly
Inflation-adjusted spending3% yearly
Planned retirement spend$0 / month

How This Retirement Calculator Works

This calculator estimates two things: how much your retirement savings could grow to by your target retirement age, and how much starting capital may be needed to fund your planned retirement income through life expectancy. It uses separate assumptions for pre-retirement growth, retirement growth, inflation, and monthly savings.

What Inputs Matter Most?

  • Current savings: Existing assets get the longest compounding runway.
  • Monthly contributions: Consistent saving is the main lever for most people.
  • Retirement age: Retiring later helps twice by adding savings years and shortening withdrawals.
  • Desired retirement income: Higher planned spending pushes the retirement goal amount higher.
  • Inflation: Future living costs matter more over long retirements than many people expect.

What the Results Mean

  • Projected savings: Your estimated portfolio value at retirement.
  • Retirement goal amount: The capital needed to fund your target withdrawals under the selected assumptions.
  • Readiness: How close projected savings are to the retirement goal amount.
  • Supported income: The approximate monthly income your projected retirement portfolio could support.

Ways to Improve Your Plan

  • Increase contributions whenever income rises.
  • Delay retirement by a few years if the gap is large.
  • Lower retirement spending assumptions to reflect essential needs first.
  • Use realistic return assumptions instead of overly optimistic ones.

Frequently Asked Questions

Is this an exact retirement plan?

No. It is an estimate based on steady return and inflation assumptions. Real life markets, taxes, benefits, and spending changes will differ.

Should I use nominal or real spending values?

Enter your desired monthly retirement income in today's money. The calculator keeps that as your starting withdrawal and then inflates withdrawals during retirement.

What if I already expect pension or rental income?

Add it under other monthly retirement income. The calculator treats that as income that reduces how much your investment portfolio needs to fund.