Retirement Calculator
Project retirement savings, monthly contributions, investment growth, and estimated withdrawal income.
Inputs
Results
How this calculator works
This retirement calculator is built for English-speaking users planning retirement in the US, UK, Canada, or Australia. It estimates how current savings and monthly contributions may grow before retirement and converts the balance into a simple withdrawal-income estimate.
Formula and assumptions
The tool uses compound growth for existing savings and the future value of a monthly contribution stream. Estimated income is projected balance multiplied by the selected withdrawal rate.
FAQ
Is this a 401(k), ISA, RRSP, or superannuation calculator?
It is account-neutral. You can use balances from 401(k), IRA, ISA, RRSP, TFSA, superannuation, brokerage, or pension savings.
Does the return include inflation?
Enter a nominal return if you want nominal dollars. For today's purchasing power, use a lower real return after inflation.
What does the withdrawal rate mean?
It estimates annual income from the retirement balance. It is not a guarantee and should be reviewed with tax, pension, and market assumptions.
Can I use this outside the United States?
Yes. The math is currency-neutral, but taxes, pension rules, employer matches, and contribution limits are country-specific.
