Long-term retirement planning

Retirement Calculator

Estimate your retirement balance, required savings and sustainable spending with accumulation and drawdown projections.

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Planning question

Timeline and savings

Current AgeyearsRetirement AgeyearsPlanning AgeyearsCurrent SavingsUSDMonthly ContributionUSDEmployer Contribution/ monthAnnual Contribution Increase%

Growth and retirement assumptions

Return Before Retirement%Inflation%Desired Annual SpendingUSDPension / Other Annual IncomeUSDReturn During Retirement%Currency

Projected balance at retirement

$1,790,838.06

32 years to retirement · 25 years planned in retirement.

Projected Balance$1,790,838.06

Contributions$580,724.36

Investment Growth$1,210,113.71

Today's-Money Balance$950,278.32

Required Retirement Fund$952,082.39

Estimated Surplus$838,755.68

Portfolio Accumulation

BalanceContributions

Estimated Retirement Drawdown

Portfolio

Year-by-Year Retirement Drawdown

Age	Starting	Growth	Withdrawal	Ending
68	$1,790,838.06	$71,633.52	$60,305.30	$1,802,166.28
69	$1,802,166.28	$72,086.65	$61,511.40	$1,812,741.53
70	$1,812,741.53	$72,509.66	$62,741.63	$1,822,509.56
71	$1,822,509.56	$72,900.38	$63,996.47	$1,831,413.48
72	$1,831,413.48	$73,256.54	$65,276.39	$1,839,393.62
73	$1,839,393.62	$73,575.74	$66,581.92	$1,846,387.44
74	$1,846,387.44	$73,855.50	$67,913.56	$1,852,329.38
75	$1,852,329.38	$74,093.18	$69,271.83	$1,857,150.72
76	$1,857,150.72	$74,286.03	$70,657.27	$1,860,779.48
77	$1,860,779.48	$74,431.18	$72,070.41	$1,863,140.25
78	$1,863,140.25	$74,525.61	$73,511.82	$1,864,154.03
79	$1,864,154.03	$74,566.16	$74,982.06	$1,863,738.13
80	$1,863,738.13	$74,549.53	$76,481.70	$1,861,805.96
81	$1,861,805.96	$74,472.24	$78,011.33	$1,858,266.86
82	$1,858,266.86	$74,330.67	$79,571.56	$1,853,025.98
83	$1,853,025.98	$74,121.04	$81,162.99	$1,845,984.02
84	$1,845,984.02	$73,839.36	$82,786.25	$1,837,037.13
85	$1,837,037.13	$73,481.49	$84,441.98	$1,826,076.64
86	$1,826,076.64	$73,043.07	$86,130.82	$1,812,988.89
87	$1,812,988.89	$72,519.56	$87,853.43	$1,797,655.01
88	$1,797,655.01	$71,906.20	$89,610.50	$1,779,950.71
89	$1,779,950.71	$71,198.03	$91,402.71	$1,759,746.02
90	$1,759,746.02	$70,389.84	$93,230.77	$1,736,905.10
91	$1,736,905.10	$69,476.20	$95,095.38	$1,711,285.92
92	$1,711,285.92	$68,451.44	$96,997.29	$1,682,740.07

Illustrative estimate only. Investment returns are not guaranteed. Actual results may differ because of fees, taxes, inflation, market performance, pension rules and spending changes.

Plan Both Accumulation and Drawdown

Retirement planning has two phases. Before retirement, savings and contributions may grow. During retirement, withdrawals compete with investment growth and inflation. This calculator models both phases using your assumptions.

Are You on Track?

The projected retirement balance is compared with an estimated fund required to cover desired spending after other income through the planning age. A surplus or gap indicates the direction and scale of the modeled result.

How Much Should You Save?

The required-saving mode repeatedly runs the shared compound-growth engine to find the monthly contribution that reaches the modeled retirement fund. Employer contributions remain separate and annual contribution growth is respected.

Inflation and Retirement Income

Future nominal spending is normally higher than today's spending because prices rise. The calculator compounds your inflation assumption to retirement and also shows the projected savings balance in today's money.

Retirement Calculator FAQ

How much will I have at retirement?

The accumulation projection combines current savings, personal and employer contributions, annual contribution growth and the entered pre-retirement return.

How much should I save each month?

The calculator estimates the monthly personal contribution needed for the projected retirement balance to reach the modeled spending requirement by retirement age.

How is retirement spending estimated?

Desired spending and other income are increased with inflation to retirement. The remaining gap is modeled as level monthly withdrawals that continue through the planning age.

Does the calculator include inflation?

Yes. It shows an inflation-adjusted accumulation value and increases entered spending and other income assumptions to the retirement date.

Are pensions and taxes modeled?

You can enter expected pension or other annual income, but jurisdiction-specific pension rules, eligibility, tax and benefit indexation are not calculated.

Are investment returns guaranteed?

No. All rates are user-entered assumptions for illustration. Actual returns, fees, taxes and inflation will vary.

Disclaimer: This calculator provides illustrative estimates only and is not investment, pension, tax or retirement advice. Actual returns and outcomes may differ.