🏖️Retirement Calculator
See how much you'll have saved by retirement.
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About this calculator
This retirement calculator projects how large your nest egg could grow by the time you retire. It compounds your existing savings plus the fixed amount you add each month at your expected annual return, then shows how much of the final balance is your own contributions versus investment growth. Starting early and contributing consistently makes a dramatic difference thanks to compounding.
Formula
Future value = current savings × (1 + i)^n + monthly × ((1 + i)^n − 1) ÷ i × (1 + i), where i = monthly return and n = months until retirement.
How to use
Enter your Current Age, Retirement Age, Current Savings, Monthly Contribution, Expected Return (p.a.), Annual Step-Up, Inflation Rate, Monthly Retirement Income above — the result updates instantly as you type or drag the sliders. It's free and needs no sign-up.
Frequently Asked Questions
What does the Retirement Calculator do? ▼
See how much you'll have saved by retirement.
How do I use the Retirement Calculator? ▼
Enter your values using the input fields or sliders. The result updates instantly — no submit button needed. All calculations run in your browser.
How accurate is the Retirement Calculator? ▼
The Retirement Calculator uses standard mathematical formulas and the inputs you provide. Results are estimates meant to guide decisions — consult a qualified professional for advice specific to your situation.
Can I use the Retirement Calculator with any currency? ▼
Yes. The Retirement Calculator is currency-neutral — it works with plain numbers, so you can treat the amounts as dollars, euros, rupees, or any currency you like.
Is my data saved when I use the Retirement Calculator? ▼
No. The Retirement Calculator runs entirely in your browser. The numbers you enter are never uploaded, stored, or shared — they disappear when you close the page.
Is the Retirement Calculator free? ▼
Yes — completely free. No sign-up, no download, and no account required. Works in any browser.
What return rate should I assume? ▼
A long-term diversified portfolio is often modelled at around 6–8% before inflation, but this varies. Try a few rates to see a realistic range rather than a single number.
Does this account for inflation? ▼
No — the figure is in today's contribution terms at a nominal return. For purchasing power, compare against the Inflation calculator.