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Retirement Calculator

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Find out how much you need to retire comfortably — and whether your current savings will get you there.

✔ Compound Growth🌍 Multi-currency

🌅 Retirement Calculator

Results update instantly

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Retirement Nest Egg Needed
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Needed
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Projected at Retirement
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Surplus / Gap
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Years to Invest
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Enter your details to see your retirement projection.

How Much Do You Need to Retire?

The standard rule is to accumulate 25× your annual expenses (the 4% withdrawal rule). This means if you spend $60,000/year, you need $1.5M. A more conservative 3.5% SWR (for longer retirements) requires $1.71M.

📐 Retirement Projection Formula

FV = PV(1+r)ⁿ + PMT × [(1+r)ⁿ − 1] ÷ r
FVPortfolio value at retirement
PVCurrent savings
PMTMonthly contribution
rMonthly return rate

How to Use the Retirement Calculator

1

Enter your current age and target retirement age

The gap between these numbers is your investment timeline — one of the most powerful variables in retirement planning.

2

Set current savings and monthly contribution

Include all retirement accounts: 401(k), IRA, pension. Input your total monthly contribution across all accounts combined.

3

Choose a return rate

7% reflects the historical average real return for a diversified equity portfolio. Reduce to 5–6% as retirement approaches and allocation shifts toward bonds.

4

Set your monthly income goal

Enter the monthly income you want in retirement. A common target is 70–80% of pre-retirement income — but actual needs vary significantly by planned lifestyle and location.

Frequently Asked Questions

A common guideline: save 15% of gross income starting at age 25. Starting at 35 may require 20–25%. Time is your biggest advantage — starting 10 years earlier typically halves the required monthly contribution for the same retirement outcome.
Long-term diversified portfolios have historically returned 7–10% annually (nominal). Use 5–7% for conservative planning in real terms (after inflation). The S&P 500 has historically returned ~10% nominal (~7% inflation-adjusted). Consider inflation of 5–6%.Q.How much do I need to retire comfortably?▼The 25x rule says save 25 times your annual expenses. Needing $60,000/year means saving $1.5 million. This is based on the 4% safe withdrawal rate — withdrawing 4% annually gives a high probability of the money lasting 30+ years. Social Security and pension income reduce how much you need to save independently.
The most common rule is 25× your annual retirement expenses (based on the 4% safe withdrawal rate). If you plan to spend $60,000/year in retirement, you need $1.5 million. Factor in Social Security income — the average benefit in 2026 is approximately $1,900/month, reducing how much your portfolio must cover.
The 4% rule states you can withdraw 4% of your retirement portfolio in year one, then adjust for inflation each year, with a high probability of the money lasting 30 years. Based on the Trinity Study using historical US market returns. Some planners now use 3–3.5% for longer retirements or conservative portfolios.
You can claim Social Security from age 62 (at a permanent reduction of up to 30%), full retirement age of 66–67 (full benefit), or up to age 70 (earning delayed credits of 8% per year). Delaying from 67 to 70 increases your monthly benefit by 24%. Break-even analysis favors delay if you expect to live past 80.
⚠️ Disclaimer Estimates only. Not financial or legal advice.

Sources & Methodology

Calculations are based on the most current publicly available data from authoritative government and industry sources: