Retirement Savings & Investment Calculator

Retirement Calculator

Plan your future, calculate compound interest & estimated retirement nest egg

1. Timeline & Ages
2. Current Savings & Contributions
3. Investment Expectations & Inflation
Total Projected Nest Egg
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Total Contributions
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Total Compound Interest
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Est. Monthly Income
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Investment Horizon
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How to Use the Retirement Calculator

  1. Timeline: Set your current age, planned retirement age, and estimated life expectancy.
  2. Savings Plan: Enter your starting balance along with how much you plan to save each month. Adjust the annual step-up rate if you expect pay raises over time.
  3. Financial Assumptions: Provide an anticipated rate of return (historically 7–10% for stock market index funds), estimated inflation rate, and target safe withdrawal rate (typically 4%).
  4. Generate Plan: Click “Calculate Retirement Future” to see your potential total savings and estimated monthly retirement income.

Retirement Calculations & Concepts

1. Future Value with Compound Interest:

FV = P * (1 + r/n)^(nt) + PMT * [((1 + r/n)^(nt) – 1) / (r/n)]

2. Inflation Adjustment Calculation:

Real Value = Nominal Future Value / (1 + Inflation Rate)^Years

3. The 4% Safe Withdrawal Rule:

Annual Retirement Income = Total Nest Egg * 4%

Frequently Asked Questions (FAQ)

What rate of return should I assume for retirement?

A conservative estimate for a diversified index fund portfolio is between 6% and 8% per year. Conservative bond-heavy portfolios typically generate lower returns around 4% to 5%.

What is the 4% Rule in retirement planning?

The 4% rule states that you can comfortably withdraw 4% of your total retirement savings in the first year of retirement (adjusted for inflation thereafter) without running out of money over a 30-year horizon.

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