Retirement Calculator
Start with the numbers you have for retirement and use the Retirement Calculator to explore a sensible estimate. The explanation below the tool highlights assumptions that can affect the outcome.
Monthly income estimate uses the 4% rule (withdraw 4% of savings per year). It is a rough guide, not financial advice.
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Last reviewed January 15, 2026 — see our editorial & accuracy policy.
Method: Projects savings with compound growth on the current balance plus future contributions; results are shown in nominal dollars unless an inflation adjustment is selected.
How it works
Your savings compound until retirement: the current balance grows at the expected return while each monthly contribution is added and also compounds. The estimated monthly income uses the 4% rule, withdrawing four percent of the final savings per year, which many planners use as a rough sustainable guide.
How to use the Retirement Calculator
Enter the values requested by the tool and start with one realistic example. Read the result together with its unit or label, then change one input at a time if you want to compare options. Keeping a note of the original figures makes the calculation easier to check later.
Use the result as a planning estimate rather than a quote or guarantee. Rates, fees, tax rules and personal circumstances can change the final figure.