How much should I save for retirement?

A common benchmark is 10-12 times your final annual salary saved by retirement age. Personal needs vary widely based on lifestyle, healthcare costs, and other income sources like pensions or social security.

What return rate should I use?

Long-term balanced portfolios have historically returned 6-8% annually; stock-heavy portfolios higher. Use a conservative rate so you are pleasantly surprised rather than short of funds.

Does this account for inflation?

No - results are in today's dollars before inflation adjustment. If inflation averages 3%, $1 million in 30 years will buy roughly what $412,000 buys today.

Retirement Calculator

Project your retirement savings based on current savings, monthly contributions, return rate, and years until retirement.

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About Retirement Calculator

The retirement calculator projects whether your current savings rate will fund your retirement, given your age, savings, and target income.

Most people discover far too late whether they're saving enough. This tool gives a straightforward projection of your retirement corpus at different return assumptions, so gaps appear while there's still time to close them.

When to Use Retirement Calculator

Use it to stress-test your savings rate, to set a monthly contribution target, or to check if delaying retirement a few years changes the picture.

Pro Tip

Use a conservative return assumption (5–6% after inflation) — optimistic guesses make planning look better than reality.

Key Features

Processes Current Savings, Monthly Contribution, Current Age, Retirement Age directly in your browser
Produces projected savings, investment growth instantly
Completely free with no usage limits
No registration or account required

How to Use

Provide the required inputs (Current Savings, Monthly Contribution, Current Age, Retirement Age).
The tool processes everything locally in your browser and instantly produces the following results: Projected Savings, Investment Growth.
Review the result, then copy it to your clipboard or download the output file directly from this page.

Privacy note: Retirement Calculator runs 100% in your browser. Your data is never uploaded to any server, so nothing is stored or shared.

Benefits

Your data never leaves your device when using Retirement Calculator - everything runs locally
Get accurate results in seconds
Works on desktop, tablet, and mobile
No software download or installation needed