Retirement Calculator
Project your retirement savings based on current age, savings, monthly contributions, and expected returns. Plan for a comfortable retirement. Figures never leave your device — every calculation runs locally in your browser.
How to Use the Retirement Calculator
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Frequently Asked Questions
What inputs does it need?
Current age, retirement age, current savings, monthly contribution, and expected annual return rate. The math is monthly compounding: FV = savings × (1+r)^n + contribution × (((1+r)^n − 1) ÷ r), with r = annual rate ÷ 12 and n = months. The calculator projects savings growth to your retirement date.
Does it account for inflation?
No — there is no inflation input and all figures are nominal. Discount the projected total yourself for the planning horizon.
Can I model different scenarios?
Yes. Adjust contribution amounts, return rates, and retirement age to compare scenarios. See how small changes in monthly savings impact your final nest egg.
Does it show monthly income in retirement?
Yes — the result includes a 4% monthly withdrawal figure alongside the nest egg, contributions, and growth.
When using Retirement Calculator, is my financial data stored?
No. All calculations run locally in your browser. No retirement data is transmitted.
What does the default projection give?
Age 30 to 65 (35 years) with $50,000 saved plus $1,000/month at 7% compounds to about $2,376,362 on $470,000 contributed — roughly $1,906,362 of growth, with a 4% monthly withdrawal near $7,921. Growth compounds monthly, so raising the return even 1% moves the needle enormously.
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Last updated October 2026