Retirement Calculator
Find out how much you will have saved by retirement. Enter your age, planned retirement age, current savings, monthly contribution and expected return to project your retirement corpus.
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Save ⟶How to use the Retirement Calculator
- 1Enter current age in the form on the left.
- 2Fill in the remaining fields — the result updates automatically as you type.
- 3Review the highlighted result and the supporting breakdown on the right.
- 4Use Copy, Share or Print to save or send your result.
How much do you need to retire?
A common rule of thumb is the 4% rule: you can withdraw about 4% of your portfolio in the first year of retirement, adjusting for inflation thereafter, with a high chance of the money lasting 30 years. Inverted, that means you need roughly 25 times your desired annual spending.
If your projected corpus falls short, the most effective fixes in order are: increase the contribution rate, delay retirement by a few years (each year adds contributions and compounding while shortening the withdrawal period), and review investment fees.
Frequently Asked Questions
▸What is the 4% rule?
A guideline from the Trinity study: withdrawing 4% of your starting portfolio annually, adjusted for inflation, has historically lasted at least 30 years in a balanced portfolio.
▸Should I include my pension or social security?
This calculator projects personal savings only. Subtract expected pension or government benefits from your income need before applying the 25x rule.