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Retirement Calculator

Project your retirement savings in today's money and see if you're on track.

  • 100% free
  • In today's money
  • Shortfall shown

Currency

$
$

Include any employer contribution

%
%
$

In today's money, from savings (on top of any state pension)

%

4% is a common rule of thumb

Savings at 67 (in today's money)

$438,408.02

$966,144.72 in future money after 32 years

Yearly income it could provide
$17,536.32
at a 4.0% withdrawal rate
Savings needed for your goal
$1,000,000.00
in today's money
Shortfall
$561,591.98
Save about $1,069.04 more a month

A projection with steady returns, which real investments don't have. It ignores taxes and fees, and doesn't include state pensions or Social Security. Use it to compare scenarios, not as financial advice.

Last reviewed by the OnlineToolPro team

What is the Retirement Calculator?

Projects your retirement savings, converts the result into today's money so it's easy to understand, and compares it with the savings you'd need for the income you want — using a withdrawal rate such as the 4% rule.

How it works

How to use the Retirement Calculator

3 simple steps. No experience needed.

What can you use it for?

  • Check if you're saving enough for retirement.
  • See the effect of retiring a few years later.
  • Find how much more to save each month.

Real vs nominal money

A million in 30 years won't buy what a million buys today. The calculator divides the future balance by inflation over the same period, so the headline figure is in today's money — the number you can actually picture.

FAQ

Frequently asked questions

What is the 4% rule?

A rule of thumb that withdrawing about 4% of your savings in the first year, then adjusting for inflation, has historically lasted around 30 years. It's a guide, not a guarantee.

Does it include state pensions or Social Security?

No. Enter the income you want from your own savings, on top of any state pension.

Related guides

Step-by-step help for getting more out of the retirement calculator.

All guides

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