Retirement Calculator
Enter your age, your retirement age, your savings, what you add each month, the return you expect and inflation. The calculator shows your estimated savings at retirement and a sustainable monthly income in today's money using the common 4% rule, and tells you if there is a gap.
Runs in your browser. Your files never leave your device.
The 4% rule is a common guide, not a promise. Returns and inflation vary, so treat this as a rough plan. It is not financial advice. Your goal needs about $7,120 a month at retirement prices.
How it works
- 01Enter your ages, savings and monthly contribution.
- 02Set the expected return and inflation.
- 03Compare the safe income with the income you want.
Questions
What is the 4% rule?
A rule of thumb that suggests you can withdraw about 4% of your savings in the first year of retirement and adjust for inflation afterwards. It is a guide, not a guarantee.
Does it include pensions or social security?
No. Add those separately to your plan.
Is my file uploaded to a server?
No. Everything happens inside your browser on your own device. Your files are never sent to us or anyone else.
Is it free?
Yes. It is free to use, with no signup, no watermark and no daily limit.