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Retirement Calculator

Estimate how much you could have by retirement and how long it might last. Enter your age, savings and contributions to build a simple retirement plan.

How it works Report a problem

Retirement Calculator

Plan your nest egg and see how long your savings will last in retirement

$0
Projected Nest Egg at Retirement
Based on compounding growth
Years to Retire
35
Total Contributions
$0
Withdrawal Duration
0 Yrs
Wealth Accumulation Journey

Retirement planning is two calculations in one: how much will be saved by the day work stops, and how long that fund can pay out afterwards. This calculator runs both, so "am I saving enough?" gets a number instead of a feeling.

How to use this calculator

  • Enter your current age, planned retirement age and current savings.
  • Add your monthly saving and expected yearly return.
  • Enter the yearly income you want in retirement.
  • Press calculate to see the fund at retirement and how long it lasts.

Small increases beat late heroics

Because compounding works hardest on money saved earliest, a modest monthly increase in your thirties and forties can be worth more than a huge one in your fifties. If the result shows a gap, test a small saving increase and a slightly later retirement age here; together they close most gaps painlessly.

Frequently asked questions

How much do I need to retire?
Enough to fund your yearly spending for your expected retirement years, after state or employer pensions. The calculator turns your figures into that target directly.
What return should I assume?
Use a cautious real-world figure for your mix of investments, net of fees and inflation if you want today's-money answers; optimistic returns build fragile plans.
Does this include a state pension?
Add any expected pension income against your retirement spending before running the savings side; it reduces the gap the fund itself must cover.