Retirement Calculator

Compare contributions, estimated growth, nominal balance, and today-dollar equivalent across a year-by-year projection without tax-law assumptions.

Current savings

Monthly contribution

Years until retirement

Annual return (%)

Contribution increase / yr (%)

Inflation (%)

Annual fee drag (%)

Illustrative withdrawal rate (%)

—Projected balance

—Total contributed

—Today's-dollar equivalent

—Illustrative monthly withdrawal

The withdrawal percentage is an editable illustration, not a recommendation or safe-withdrawal guarantee. Taxes, account rules, sequence risk, market volatility, and employer benefits are not predicted.

Independent formula & assumption audit

Recalculate the core payment or growth path with a separate browser-local formula layer. It reads the existing inputs, does not fetch live rates, and does not replace the primary calculator.

Set the finance assumptions above, then refresh this audit.

Formula audit ready. User-entered assumptions only.

Core borrowing, saving & investing workflows

Start with the broad calculator that matches the decision, then move to a specialist only when the loan structure, cash flow, tax treatment, debt strategy or savings goal genuinely changes.

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How to use this Retirement Calculator

Set current savings, monthly contribution, years, assumed return, contribution growth, inflation, and contribution timing to produce a year-by-year projection.