Retirement Calculator

Professional Retirement Calculator

Current Age

Retirement Age

Current Savings ($)

Monthly Savings ($)

Annual Return (%)

Inflation (%)

Monthly Spend in Retirement ($)

Life Expectancy

Retirement Fund at 65$2,376,362

On track! Fund lasts until age 90+

Monthly Income (4% rule)$7,921

Years in Retirement25

Total Contributions$470,000

Total Interest Earned$1,906,362

Contributions Interest

Professional Retirement Calculator

Features

Project savings from your current age to retirement age with monthly contributions
Withdrawal phase models inflation-adjusted spending (real return = nominal return − inflation rate)
Shows fund size at retirement, monthly 4% rule income, and how long custom spending would last
Inflation rate is an input — drives the real-return calculation during withdrawal
Runs entirely in your browser

The 4% rule is a rough benchmark (4% of the fund withdrawn annually, increasing with inflation), not a guarantee. Originated from US 1994 historical-data analysis.
The "fund lasts until" calculation uses your custom monthly spend, not the 4% rule output — these are two separate metrics.
During the withdrawal phase the tool subtracts inflation from the nominal rate to model purchasing-power preservation; the 4% rule output is independent.
This is a deterministic projection. Real-world markets vary year to year; sequence-of-returns risk is not modelled.
For a personalised retirement plan, consult a fee-only financial planner. This calculator is for ballpark math, not advice.

Yes, completely free with no registration, no limits, and no hidden costs.

All processing happens in your browser. No data is ever sent to any server or third party.

Once loaded, the tool works entirely offline. All processing is done client-side with JavaScript.

Works in Chrome, Firefox, Safari, Edge, and all modern browsers on desktop and mobile.

Yes, all output is yours to use freely in any personal or commercial project without restrictions.