Retirement Calculator
Last updated: July 2026
Estimate retirement savings at retirement and a possible monthly withdrawal amount.
Estimated savings at retirement
$0.00
- Years until retirement: 0
- Total contributions: $0.00
- Estimated monthly withdrawal: $0.00
On this page
Quick summary: Estimate retirement savings at retirement and a possible monthly withdrawal amount. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator does
The Retirement Calculator estimates whether current savings and future contributions may support a retirement target under a set of assumptions about growth, time, and spending.
How to use the calculator step by step
Enter current retirement savings, future contributions, years until retirement, expected return, and retirement-income assumptions available on the page. Use more than one scenario because small changes over decades can materially affect the projection.
How the calculation works
Retirement projections generally compound current assets and future contributions until retirement, then compare the accumulated balance with estimated withdrawals or income needs.
Worked example and scenario testing
Someone with 25 years until retirement has far more time for contributions to compound than someone with only five years remaining. Increasing monthly contributions early can therefore have a larger long-term effect.
How to interpret your result
The projection is best used to identify whether a savings plan appears broadly on track under the assumptions entered. It does not predict an exact retirement balance or sustainable income.
Accuracy, assumptions, and limitations
Future investment returns, inflation, taxes, lifespan, healthcare costs, Social Security or pension benefits, fees, and withdrawal patterns are uncertain and may differ substantially from assumptions.
Common mistakes to avoid
Do not use a single optimistic return or ignore inflation when estimating long-term spending needs. Revisit the calculation periodically as savings, income, and retirement timing change.
Privacy and browser-based calculations
Use general retirement balances and assumptions only. Never enter retirement-account credentials, Social Security numbers, or other identifiers.