How to use the Retirement Calculator
- Enter your age and the age you want to retire.
- Add current savings and what you put in each month.
- Adjust the expected return and inflation to see the range of outcomes.
The 4% rule
A widely used guideline says withdrawing about 4% of your savings in the first year of retirement, then adjusting for inflation, has historically lasted around 30 years. So $1,000,000 supports roughly $40,000 a year. The calculator also shows the result in today’s money, since inflation reduces what a future dollar buys.
This is an estimate, not financial advice; returns vary from year to year.
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Tools that pair well with the Retirement Calculator
- Savings Goal Calculator — Find out how much to save each month to reach a goal — a house deposit, a car, a trip or an emergency fund — including interest on your savings.
- Compound Interest Calculator — See how savings or investments grow with compound interest: start with a balance, add a monthly contribution, choose the rate and compounding, and get the future value with a year-by-year breakdown.
- ROI Calculator — See the return on investment for a stock, a property, a marketing campaign or a project — the gain, ROI % and the annualized return.
- Salary to Hourly Calculator — Turn a yearly salary into an hourly rate — or an hourly wage into a salary — and see the daily, weekly, biweekly, monthly and yearly equivalents, adjusted for your hours and unpaid time off.
Frequently asked questions
What return should I assume?
Many planners use 5–7% a year for a diversified portfolio before inflation. Try a lower number to see a cautious case.
Why show “today’s money”?
Because prices rise. $1 million in 35 years at 2.5% inflation buys about what $420,000 buys today.
Is anything I enter saved or sent?
No. The calculation runs in your browser. Your last inputs are remembered on this device only, so the page opens where you left off.
Can I install Retirement Calculator as a web app and use it offline?
Yes. Retirement Calculator is an installable web app (PWA) — installed from your browser, not downloaded from an app store. Click Install app at the top of this page in Chrome or Edge (Windows, macOS, Linux, ChromeOS) or on Android, use Share → Add to Home Screen on iPhone and iPad, or File → Add to Dock in Safari 17+ on a Mac. It then opens in its own window with its own icon, and because it runs entirely in your browser it keeps working offline. Firefox on desktop can’t install web apps. How installing works.