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Retirement Calculator
Whether your savings will last, and what closes the gap.
—
| Age | Balance | Paid in | Withdrawn |
|---|
Pot at retirement
—
in today's money
Money runs out at—
Years of retirement funded—
Needed from savings—
Initial withdrawal rate—
Total contributed—
Growth earned—
Target pot—
Extra needed per month—
Quick Tool Overview
The Retirement Calculator grows your savings to your retirement date, then draws your target income from them and reports the age the money runs out — or that it does not. Returns are handled in real terms, so the answer is in money you can actually spend.
- What it does
- Projects savings through retirement and tests whether they last
- You give it
- Your ages, balance, contributions, return and target income
- You get back
- The projected pot, the depletion age and any shortfall
- Best for
- Checking whether you are on track, and what would fix it
About the Retirement Calculator
Enter your age, what you have saved, what you contribute and when you want to stop working. The calculator grows the balance to your retirement date, then draws your target income from it and reports the age at which the money runs out, or that it does not.
Two assumptions drive the whole answer and both are inputs here rather than hidden constants. The first is the real return, meaning growth after inflation, because a projection in nominal dollars flatters the result badly over thirty years. The second is the withdrawal rate: the often-quoted four percent is a starting point derived from historical data, not a guarantee, and small changes to it move the depletion age by many years. The calculator shows the shortfall and what monthly contribution would remove it.
Key features of the Retirement Calculator
Both phases modelled
Accumulation to retirement and drawdown through it, rather than stopping at a single balance.
Real returns, not nominal
Inflation is subtracted, because a nominal projection over thirty years flatters the answer badly.
Depletion age reported
The age the money runs out, which is more useful than a percentage chance of success.
Shortfall quantified
If the plan fails, you are told the extra monthly contribution that would close the gap.
Withdrawal rate is an input
Four percent is a starting point, not a law, and small changes move the depletion age by years.
How to use the Retirement Calculator
-
1
Enter your ages
Your current age, the age you plan to retire and the age you want the money to last to.
-
2
Enter savings and contributions
Your current balance, what you and your employer add each month, and any annual increase.
-
3
Set the return and inflation
The calculator uses the real return, so a nominal return with inflation subtracted from it.
-
4
Enter the income you want
In today's money. The result shows whether the pot supports it and for how long.
Frequently asked questions
A common starting point is twenty-five times your annual spending, which corresponds to a four percent withdrawal rate. It is a rule of thumb rather than a plan, and it varies with your retirement length, other income and risk tolerance.
A guideline that withdrawing four percent of the starting balance, adjusted for inflation each year, historically survived thirty years in most cases. It assumes a balanced portfolio and is not a guarantee for any particular future.
Real, meaning after inflation, if you are thinking about income in today's money. A seven percent nominal return with three percent inflation is a four percent real return, and over thirty years that distinction changes the answer enormously.
Four levers close it: save more, retire later, spend less in retirement, or accept more investment risk. The calculator reports the extra monthly contribution needed, which is usually the most controllable of the four.
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