Retirement Calculator
See how your savings will grow and what monthly income you can expect in retirement.
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Everything you need to know
When Can I Retire?
Enter your current age, retirement age, savings, monthly contributions, and expected returns. The calculator projects your total retirement corpus, shows how much of it is contributions vs. growth, and estimates your safe monthly withdrawal income using the 4% rule.
The 4% Rule Explained
The 4% rule is a widely-used retirement guideline: withdraw 4% of your portfolio in year one, then adjust for inflation each year. Based on the Trinity Study, this strategy historically sustains a portfolio for 30+ years. It's not a guarantee, but a solid starting point for planning.
How Compound Growth Works for Retirement
Starting early makes a dramatic difference. Saving $500/month from age 25 at 8% return gives you about $1.75 million by age 65. Starting the same savings at 35 gives only $750,000 — less than half. The extra 10 years of compounding more than doubles the result.
Key Retirement Planning Numbers
- Emergency fund first: Have 3–6 months of expenses in cash before aggressive retirement investing.
- Save 15–20% of income: This is the gold standard recommended by most financial planners.
- Account for inflation: Use the advanced options to see your savings in today's purchasing power. At 3% inflation, $1 million in 30 years is worth only ~$412,000 today.
- Healthcare costs: Plan for additional medical expenses in retirement — they can be significant in countries without universal healthcare.
Related Tools
Working toward a specific savings target? Use the Savings Goal Calculator. Planning monthly investments? Try the SIP Calculator or Step-Up SIP Calculator for increasing contributions. See how compounding works with the Compound Interest Calculator.