Retirement Calculator

Your current savings grow as a lump sum at the expected return for the years until retirement, and each monthly contribution is treated as an ordinary annuity compounded month by month. The two future values are added together to give the projected corpus.

At the end of each month, an ordinary annuity. This is slightly more conservative than start of month timing, so if you invest on the first of the month the real result would be a touch higher.

Use a realistic long-term figure for your asset mix. Many people model a diversified stock and bond portfolio around 6 to 8 percent for planning, but real returns swing year to year and past performance is no guarantee.

No. The figure is a nominal projection before inflation, taxes and fund fees. A corpus that looks large in future dollars will buy less than the same number today, so treat it as a gross before-costs estimate.

A common rule of thumb is 25 times your expected annual spending, which lines up with a roughly 4 percent withdrawal rate. Set that as a target, then raise your monthly contribution until the projected corpus reaches it.

Compounding magnifies small rate differences over decades. Across a 30 year horizon, one or two extra percentage points of annual return can add hundreds of thousands to the final figure, which is why the assumed rate matters so much.

The sliders accept a current age from 18 to 75, a retirement age from 40 to 80, savings up to two million, a monthly contribution up to twenty thousand and a return from 1 to 20 percent. Retirement age must be greater than current age or the projection is hidden.

Yes. The selector only changes how the numbers are formatted, not the math, so the same inputs give the same underlying corpus regardless of the currency symbol shown.

Yes. Every calculation runs in your browser and nothing you type is uploaded or stored. Refreshing the page clears the inputs, so no personal figures persist.