Retirement Calculator

Find your retirement number and whether you are on track to retire comfortably

Your current situation

Current age

Retirement age

Average retirement age: US 62, UK 65, India 60

Life expectancy

Plan conservatively — 85–90 is a good estimate

Current retirement savings

Total in all retirement accounts, investments, savings

Monthly savings toward retirement

Retirement expenses

Expected monthly expenses in retirement

In today's money. We'll adjust for inflation automatically.

Other monthly income in retirement (pension, social security, rental)

Growth assumptions

Expected investment return (% per year)

7.0%

Conservative: 5–6% · Balanced: 7–8% · Aggressive: 9–11%

Inflation rate (% per year)

3.0%

Your retirement number

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Total savings needed at retirement

Projected savings at retirement

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Surplus / Shortfall

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Years to retirement

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Years in retirement

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Monthly need (inflation adjusted)

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Extra monthly savings needed

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Savings progress toward retirement goal

0%—100%

Retirement Planning

What is the 4% rule?

The 4% rule suggests you can safely withdraw 4% of your retirement savings each year without running out of money over a 30-year retirement. So if you need $40,000/year, you need $1,000,000 saved. This calculator uses your specific numbers for a more personalised estimate.

How much should I save for retirement?

A common guideline is to save at least 15% of your pre-tax income for retirement. But the right amount depends on your retirement age, expected expenses, existing savings, and other income sources like pensions or Social Security.

Why does inflation matter so much?

At 3% inflation, prices double every 24 years. So if you retire in 30 years, your $4,000/month lifestyle today will cost about $9,700/month then. This calculator adjusts your expenses for inflation automatically.