Retirement calculator
See how much you’ll have at retirement and the monthly income it sustains.
Enter your current and retirement ages, what you already have, how much you contribute monthly and the expected real return. The calculator projects the portfolio accumulated by retirement and the sustainable monthly income using the 4% rule (annual withdrawal from the portfolio). Enter the income you want and see whether the plan reaches the target — with the chart showing the goal line.
How much you’ll have at retirement
The retirement calculator projects the wealth you will have accumulated by your chosen age, based on what you already have, monthly deposits and returns. It then applies the 4% rule to estimate the monthly income that wealth can pay without running out — a widely used reference for planning financial independence.
What the 4% rule is
The 4% rule says that withdrawing about 4% of your wealth per year (adjusted for inflation) tends to make the money last for decades, because returns replace much of what is withdrawn. In practice, it means you need roughly 25 times your annual cost accumulated to retire. The calculator translates that into an estimated monthly income.
Planning, not prediction
Real returns vary and inflation erodes purchasing power, so treat the numbers as a target to adjust over the years, not a certainty. The earlier you start, the smaller the deposit needed. Runs in the browser. Combine it with the compound interest and emergency fund calculators.
Frequently asked questions
What is the 4% rule?
It is a personal-finance rule of thumb suggesting you withdraw about 4% of your portfolio per year in retirement, with a good chance the money lasts for decades. You can adjust this rate in the calculator to fit your profile.
Why use a real return?
A real return already subtracts inflation, so values stay in today’s purchasing power — easier to interpret. If you use a nominal return, remember future values will look larger than they are worth.
Does it include public pensions?
No. It projects only your own investments. Any public or private pension would be additional income to add on top of the sustainable income estimated here.