Retirement Calculator
Project your retirement savings with inflation in mind.
All calculations happen locally in your browser — nothing is uploaded, stored or tracked.
Enter your current age and savings
And your planned retirement age.
Add contributions and return
Monthly amount and expected annual return.
Read the projection
Nominal and inflation-adjusted totals, plus the 4% income estimate.
What Is a Retirement Calculator?
A retirement calculator projects how much your savings will grow to by retirement age, given current balance, monthly contributions and an assumed return. Because retirement planning spans decades, the calculator also adjusts the result for inflation so you see the real purchasing power.
It then estimates a sustainable monthly income using the widely cited 4% rule — a starting withdrawal guideline for a 30-year retirement.
The Method
The real (inflation-adjusted) future value divides by (1 + inflation)ⁿ. The 4% rule is a planning guideline, not a guarantee.
Assumptions
Your data never leaves your device.
Every calculation on this site runs in your browser using vanilla JavaScript. Nothing is uploaded, stored or tracked.
- 100% local, client-side calculations
- No data stored on any server
- No tracking, no analytics, no ads scripts
- Works offline once loaded
Frequently Asked Questions
How much do I need to retire?
A common rule of thumb: 10–12× your final annual salary, or enough that a 4% annual withdrawal covers your expenses.
What is the 4% rule?
A guideline suggesting you can withdraw 4% of your portfolio in year one (adjusted for inflation after) and it lasts ~30 years.
Does the calculator include Social Security?
No — it projects your own savings only. Add pensions or social security separately to your plan.
What return should I assume?
A common planning range is 5–8% nominal for a diversified portfolio. Use a conservative figure you are comfortable with.
How does inflation affect my retirement?
A 3% inflation rate halves purchasing power roughly every 24 years — the calculator shows your real projected value.