Retirement Calculator

Use this Retirement Calculator to quickly calculate accurate results online. Free, fast, and easy to use.

Retirement Calculator

Retirement Calculator – Plan Your Financial Freedom

This retirement calculator estimates how much your savings will grow over time and how much monthly income you can withdraw during retirement.

Future Value Formula (Lump Sum)

FV = P × (1 + r)t

Future Value of Monthly Contributions

FV = PMT × [(1 + r)n − 1] ÷ r

Inflation Adjustment Formula

Real Value = FV ÷ (1 + inflation)t

4% Retirement Rule

Estimated yearly withdrawal = Total Savings × 4%

Example

If you invest $500 monthly at 7% return for 30 years, your retirement savings could exceed $600,000.

Why Retirement Planning Matters

Proper retirement planning ensures financial independence and protects against inflation risk.

Frequently Asked Questions

What is a good retirement savings goal?

Many experts recommend saving 10–15 times your annual income before retirement.

What is the 4% rule?

The 4% rule suggests withdrawing 4% annually to make savings last about 30 years.

Does inflation affect retirement savings?

Yes. Inflation reduces purchasing power over time.

What return rate should I use?

Historically, stock markets average 6–8% annually long term.

When should I start saving?

The earlier you start, the more compound interest works in your favor.

Related Calculators

Popular Calculators