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Retirement savings calculator

Estimate how much you’ll have saved by the time you retire, what that’s worth in today’s money, and the yearly income it could pay you.

Your plan

Before inflation. 5–7% is a common long-term guess for a mix of stocks and bonds.

Optional. For example, in line with pay rises.

Optional. Shows amounts in today’s money.

For income in retirement. 4% is the usual rule of thumb.

Savings at retirement

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Income your savings could pay

Per year
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Per month
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Current savings
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Your contributions
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Investment growth
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  • Money you put in –
  • Investment growth –

Year by year

Your savings each year until retirement
AgeContributionsGrowthBalanceIn today’s money

What you type stays on this device. Nothing is uploaded.

How to estimate your retirement savings

  1. Enter your age, the age you want to retire, what you’ve saved so far and how much you add each month.
  2. Set the yearly return you expect, and if you like, how much your contributions rise each year and the inflation rate.
  3. Read your savings at retirement, the income they could pay, and the year-by-year table.

Questions

Are my numbers sent anywhere?

No. The calculator works in your browser on this device. Your numbers are never uploaded or stored, and they’re gone when you close the page.

What is the 4% rule?

A rule of thumb for how much you can spend from your savings. In your first year of retirement you take out 4% of your savings, then the same amount plus inflation each year after. In US market history since 1926, that lasted at least 30 years every time. For a longer retirement, a lower rate such as 3.5% is safer.

What does “in today’s money” mean?

Prices rise over time, so a sum in 30 years will buy less than the same sum today. The calculator takes the inflation rate you enter off future amounts to show what they would buy at today’s prices.

How accurate is this?

It’s an estimate, not financial advice. It assumes the same return every year, with no fees or taxes, but real returns go up and down. Use it to compare plans, and talk to a financial adviser before you make decisions.