What this calculator does
Whether you're new to finance numbers or run them every week, the retirement calculator gives the same clean result — with a live chart and a copyable summary you can drop into any doc.
Projects your retirement portfolio based on age, savings, contributions and expected return.
How to use the Retirement Calculator
- Start by entering **Current Age** — this anchors every downstream number in the retirement calculator.
- Fill in **Retirement Age**, **Current Savings**, **Monthly Contribution** to reflect your specific situation.
- Set **Annual Return**; the result and chart recalculate the moment you finish typing.
- Review the breakdown card for the components that make up the headline number.
- Use Copy, Share, or Print to save the exact scenario — or star it to keep it in your favorites.
The formula
Compound interest with monthly contributions.
Worked example
Starting at 30 with $25k, saving $800/month at 7% until 65 = ~$1.5M.
Common mistakes
- Underestimating longevity
- Not adjusting for inflation
- Assuming Social Security fully replaces income
When to use it
Use to check if you're on track for financial independence.
Pro tips for the Retirement Calculator
- For big decisions, run best-case, expected, and worst-case scenarios and compare the breakdowns side by side.
- Copy the result to paste it directly into email, Notion, or a spreadsheet cell.
- Use Print / PDF to export a clean, ad-free summary you can share with a client or advisor.
Frequently asked questions
›What return should I assume?
6–7% real for diversified stock portfolios.
›How much do I need?
25× annual expenses is a common rule (4% rule).
›401k vs IRA?
Max employer match first, then IRA, then more 401k.
›Roth or traditional?
Roth if you expect higher taxes later.
›Start when?
Now — time is your biggest asset.
›Can I use this on mobile?
Yes — the retirement calculator is fully responsive, and results, charts, and the share button all work on phones and tablets.
›Where does the formula come from?
The formula shown in the "How it works" section is the same one you'll find in standard finance references — no proprietary tweaks or hidden weightings.
Embed this calculator
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