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Retirement Calculator

Estimate savings needed for retirement

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📖 How to Use

  1. Enter your current age and desired retirement age
  2. Enter expected monthly expenses after retirement
  3. Enter expected inflation rate and annual return rate
  4. Click Calculate Retirement Plan

📐 Formula

Total needed = annual expense × (1 − (1+r)^(−n)) / r
Where r = real return rate (return − inflation), n = years in retirement

❓ FAQ

What is the 4% rule?
Withdraw 4% of your retirement savings each year — this typically lasts about 30 years without running out.

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About Retirement Calculator

This tool is completely free, no registration required. Works directly in your browser. Supports both PC and mobile devices.

Retirement Calculator is a free online tool that works on both PC and mobile. No registration or download required — just open in your browser. Results are accurate and reliable for everyday use and professional reference.