Is the retirement calculator free?

Yes — 100% free, no signup, no usage limits.

Does it save my data?

No. Inputs are processed in your browser and never uploaded to a server.

Can I use it on mobile?

Yes. The interface is fully responsive and works on iOS and Android.

What return rate should I use?

A long-term diversified stock/bond portfolio has historically returned ~7% real (after inflation) in the US. Use 5-7% for conservative planning.

A rough guideline that says you can withdraw 4% of your nest egg in year one of retirement (adjusted for inflation each year after) with high confidence the money lasts 30+ years.

WebGenAI

Retirement Calculator — How Much Will You Have at Retirement?

Project your nest egg at retirement based on age, current savings, monthly contributions, and expected investment return. See your projected balance, year-by-year growth chart, and how much annual income the 4% rule would give you.

How to use

Step 1: Enter your current age and target retirement age
Step 2: Enter your current savings
Step 3: Enter your monthly contribution
Step 4: Enter your expected annual return (%)
Step 5: Review the projected balance and 4% withdrawal income

The math (compound growth + recurring contributions)

The future value of a portfolio with regular yearly contributions is:

FV = P(1+r)^n + PMT × [((1+r)^n − 1) / r]

Where P is your current balance, r is the annual return rate, n is years until retirement, and PMT is the annual contribution. The chart visualizes year-by-year compounding so you can see how the slope steepens in the last decade — the magic of compound interest.

The 4% rule: A widely-cited guideline says you can withdraw 4% of your retirement balance in year one (and adjust for inflation thereafter) with high historical confidence the money lasts 30+ years.

Frequently asked questions

A planning tool that projects how much money you'll have at retirement age, given your current savings, monthly contributions, expected investment return, and years until retirement.