Retirement Calculator
Project the pot you'll build by retirement and the income it could pay — with contribution raises and an adjustable withdrawal rate.
Your numbers
Result
This calculator projects the pot you could build by retirement, then estimates the yearly income it might support. It compounds your current savings and monthly contributions at your expected return, with an optional annual raise to your contributions.
From nest egg to income
The income figure uses a withdrawal rate — the share of your balance you draw each year. The widely cited 4% guideline aims to make a diversified portfolio last roughly three decades. A lower rate is more conservative; a higher rate spends faster. Treat the result as a planning anchor, not a promise.
Why starting age dominates
Move your current age down a few years and the nest egg grows out of proportion to the extra contributions, because those early dollars compound the longest. The growth line in the chart shows how much of the final balance comes from returns rather than deposits.
Questions, answered
What is the 4% rule?
It is a guideline suggesting you can withdraw about 4% of your portfolio in the first year of retirement, then adjust for inflation, with a reasonable chance the money lasts around 30 years. It is a rule of thumb, not a guarantee, and depends on markets and your time horizon.
Should I use a return before or after inflation?
Either, as long as you are consistent. Using a nominal return shows future currency; subtracting inflation from the return shows today's purchasing power. The income estimate will be in whichever terms you choose.
Does it include my pension or social security?
No. It models personal savings only. Any state pension or social security would be additional income on top of the figure shown.
Is this a guarantee of my retirement income?
No. It is an educational projection from your assumptions. Real returns vary, and taxes and the order of market returns matter. A licensed advisor can build a plan for your circumstances.