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Retirement Calculator
Project your nest egg at retirement and the income it could provide.
Retirement projection
Nest egg at retirement: —
Total contributions: —
Investment growth: —
Income in year one: —
How to use the Retirement Calculator
- Enter your current age, retirement age and current savings.
- Add your monthly contribution, expected return and withdrawal rate.
- Read the projected nest egg and the income it could pay.
Features
- Nest egg projection to retirement
- Contributions versus investment growth
- Estimated income from a withdrawal rate
- Balance shown by age
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Frequently Asked Questions
Common questions about the free online retirement calculator.
It grows your current savings and monthly contributions at the return you enter until your
retirement age, then estimates income from that balance.
Four percent a year is a common starting point. A lower rate is safer for a long retirement,
while a higher one spends the balance faster.
Yes. The monthly contribution is added at the end of each month and the balance compounds
monthly at the annual return you enter.
No. Figures are in future money unless you enter a real return, so subtract expected
inflation from your return to see real values.
Retiring later gives the balance more years to compound and usually adds contributions, so
the nest egg grows faster than a simple pay rise.
No. It is an estimate based on a steady return, and real markets rise and fall, so treat the
result as a guide rather than a promise.
The tool stops at your retirement age. It shows the balance and a first year income, but not
how the money lasts through retirement.
No. The projection runs entirely in your browser, so your age, savings and contributions are
never sent to a server.
Last updated: October 10, 2026