Retirement Savings Calculator
Calculate your retirement number, your shortfall, and how much to save each month
Enter your current age, target retirement age, expected living costs, inflation rate, and investment return, and this calculator works out the total nest egg you'll need at retirement, how far your current assets fall short, and the monthly savings required to close that gap. It also runs a year-by-year simulation showing when your money would run out, so you can see exactly where your retirement plan stands. Every calculation runs in your browser — your financial details are never sent to a server.
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🔒 Everything runs 100% in your browser. Your files and input are never uploaded to any server.
How to use
- Enter your current age, your target retirement age, and your expected life expectancy
- Enter your desired monthly living expenses (in today's dollars) and your current savings
- Enter your expected inflation rate and your average annual investment return
- Review your total retirement number, your shortfall, the monthly savings you need, and the year-by-year drawdown simulation
FAQ
- Why does inflation get factored in?
- Your living costs at retirement will be higher than they are today by however much prices rise, so the calculator inflates your present-day expenses forward to your retirement year to find the amount you'll actually need.
- Is the same investment return used before and after retirement?
- Yes. The average annual return you enter is applied both to the growth of your assets before retirement and to whatever remains invested as you draw it down afterward.
- Are the amounts I enter stored anywhere?
- No. Every calculation happens inside your browser, and nothing is transmitted or saved.