Retirement Planner
Estimate the required nest egg, projected balance, and contribution gap based on your target spending.
- 4% is a common rule of thumb; 3%–3.5% is more conservative.
- Taxes and pensions are not modeled; adjust inputs to your reality.
- Return and inflation are long-term averages; short-term volatility is normal.
What is Retirement Calculator
A goal-driven retirement planner: enter current age, target retirement age, investable assets and monthly contribution, then set expected return, inflation, retirement spending in today's money, years to fund and a safe withdrawal rate — to see the required nest egg, your projected balance, the gap and the monthly step to close it.
How to use Retirement Calculator
- Enter current age, retirement age and retirement horizon
- Add current savings, monthly contribution and return/inflation rates
- Review required nest egg, projected balance, gap and suggested monthly
Frequently asked questions
What is the withdrawal rate?
The annual percentage you plan to draw from the nest egg — the classic 4% rule is a common starting point, adjusted for your horizon.
How are the gap and required monthly computed?
Target nest egg = annual retirement spending ÷ withdrawal rate. Your assets and monthly contributions are then compounded forward at the expected return to a projected balance; the difference is the gap, and solving the annuity gives the monthly needed.
Is this financial advice?
No — it is a deterministic projection from your inputs, for planning only. Returns and inflation are estimates, not guarantees.
Is Retirement Calculator free?
Retirement Calculator is completely free — open the page and use every feature with no hidden charges.
Do I need to download or install Retirement Calculator?
No download or installation is needed. It is an online tool that runs in the browser on your phone, tablet and computer.
Do I need an account to use Retirement Calculator?
No. Use the tool right away — no account or sign-in required.
Does Retirement Calculator work on mobile?
Yes. The page is fully responsive and works on phones, tablets and desktop browsers.