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Retirement Calculator

Plan your retirement savings. Enter current age, retirement age, current savings, annual contribution, expected return, and years in retirement. See total at retirement, monthly withdrawal, inflation-adjusted income, and year-by-year growth chart. 100% browser-based, no signup.

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Total at Retirement (age 65)
$1,325,221
Over 30 years • starting from $50,000 + $10,000/yr at 7% return
Monthly Withdrawal (nominal)
$4,417.40
≈ $53,009 / year
Inflation-Adjusted (today's $)
$1,819.91
≈ $21,839 / year · at 3% inflation
Growth Chart — Balance by Year
Age 36
$63,500
Age 37
$77,945
Age 38
$93,401
Age 39
$109,939
Age 40
$127,635
Age 41
$146,569
Age 42
$166,829
Age 43
$188,507
Age 44
$211,703
Age 45
$236,522
Age 46
$263,079
Age 47
$291,494
Age 48
$321,899
Age 49
$354,432
Age 50
$389,242
Age 51
$426,489
Age 52
$466,343
Age 53
$508,987
Age 54
$554,616
Age 55
$603,439
Age 56
$655,680
Age 57
$711,577
Age 58
$771,388
Age 59
$835,385
Age 60
$903,862
Age 61
$977,132
Age 62
$1,055,532
Age 63
$1,139,419
Age 64
$1,229,178
Age 65
$1,325,221

Bar length is proportional to year-end balance. Each year: beginning balance grows by 7% (interest), then your $10,000 contribution is added.

Accumulation Detail (first 5 years shown)
AgeStartInterestContrib.End
36$50,000+$3,500+$10,000$63,500
37$63,500+$4,445+$10,000$77,945
38$77,945+$5,456+$10,000$93,401
39$93,401+$6,538+$10,000$109,939
40$109,939+$7,696+$10,000$127,635

Showing first 5 of 30 years. The chart above shows the full accumulation phase.

Future Value

Standard FV formula combining a present sum and recurring annual contributions: FV = PV(1+r)^t + PMT × [((1+r)^t − 1) / r].

Monthly Withdrawal

See the sustainable monthly income your nest egg can support throughout retirement, divided evenly across all withdrawal months.

Inflation-Adjusted

Set an inflation rate (default 3%) and instantly see today's purchasing-power equivalent of your future monthly income.

Growth Chart

Year-by-year accumulation table shows starting balance, interest earned, contribution, and ending balance from now until retirement.

How is the total at retirement calculated?

Using the future-value formula for a present sum plus an ordinary annuity: FV = PV × (1 + r)^t + PMT × [((1 + r)^t − 1) / r], where PV is current savings, PMT is annual contribution, r is the annual return as a decimal (e.g. 0.07 for 7%), and t is years until retirement (retirementAge − currentAge).

What is the inflation-adjusted monthly income?

It is the nominal monthly withdrawal discounted back to today's dollars using the inflation rate you set: monthlyReal = monthlyNominal / (1 + inflation)^t. This tells you what your future income is actually worth in current purchasing power.

Should I use nominal or real (inflation-adjusted) return?

Either works. If you enter a nominal expected return (e.g. 7%) and a 3% inflation rate, the inflation-adjusted income will reflect today's purchasing power. If you enter a real return (e.g. 4%) and set inflation to 0%, the nominal and inflation-adjusted figures will match.

How does the growth chart work?

Each year the calculator applies your expected return to the starting balance (investment growth) then adds your annual contribution. The chart shows how compounding accelerates in later years as the balance grows.

Is my financial information private?

Yes. All calculations run entirely in your browser using JavaScript. Your age, savings, and contribution figures never leave your device — no signup, no server, no tracking.

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