Retirement Savings Calculator
Projected nest egg and the income it can support.
Enter your values
Enter the current age in years.
Enter the retirement age in years.
Enter the current retirement savings in $.
Enter the monthly contribution in $.
Enter the expected annual return in %.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Projected balance at retirement
- $1,665,879.08
- Safe annual income (4% rule)
- $66,635.16
- Safe monthly income
- $5,552.93
- Total you will contribute
- $373,000.00
Quick answer
A retirement projection compounds current savings plus contributions to your retirement age, then applies a safe withdrawal rate of about 4%.
At a glance
| What it does | Projected nest egg and the income it can support. |
|---|---|
| Category | Finance |
| Inputs needed | Current age, Retirement age, Current retirement savings, Monthly contribution, Expected annual return |
| Main output | Projected balance at retirement |
| Cost | Free — no sign-up, no download |
How to use the Retirement Savings Calculator
- 1Enter your age, target retirement age and current savings.
- 2Add your monthly contribution and expected return.
- 3Read the projected balance and income.
Inputs explained
- Current age(years)
- Enter the current age in years.
- Retirement age(years)
- Enter the retirement age in years.
- Current retirement savings($)
- Enter the current retirement savings in $.
- Monthly contribution($)
- Enter the monthly contribution in $.
- Expected annual return(%)
- Enter the expected annual return in %.
Worked example
Using the values the calculator loads with:
Inputs
- Current age35 years
- Retirement age65 years
- Current retirement savings85000 $
- Monthly contribution800 $
- Expected annual return7 %
Results
- Projected balance at retirement$1,665,879.08
- Safe annual income (4% rule)$66,635.16
- Safe monthly income$5,552.93
- Total you will contribute$373,000.00
Frequently asked questions
What is the 4% rule?
A guideline that withdrawing 4% of your balance in year one, then adjusting for inflation, has historically lasted 30 years.
Does this account for inflation?
No. Use a real return (nominal minus about 3%) if you want the result in today's purchasing power.
What do I need to enter into the Retirement Savings Calculator?
Just 5 values: current age, retirement age, current retirement savings, monthly contribution, expected annual return. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Retirement Savings Calculator work out the answer?
A retirement projection compounds current savings plus contributions to your retirement age, then applies a safe withdrawal rate of about 4%. The working is shown step by step so you can verify the result by hand.
Is the Retirement Savings Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.