Retirement Calculator
Plan retirement savings. Current savings, monthly contributions, annual return, and years to retirement.
How to Use
Enter your values in the fields above and click Calculate to get instant results. All computations run locally in your browser. No data is ever uploaded or stored.
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Retirement Savings Planning
Retirement planning requires estimating how much you'll need, how much to save monthly, and how your investments will grow over decades. CalcSolver's retirement calculator factors in your current savings, expected contributions, investment returns, and inflation to project your retirement fund.
Financial advisors suggest saving 15% of gross income for retirement. Someone earning $60,000/year should save about $9,000 annually. Starting at age 25 with 7% returns, this grows to approximately $1.1 million by age 65. Starting at 35 yields only about $500,000 — showing the massive cost of delaying retirement savings.
A common guideline is the 4% rule: you can withdraw 4% of your retirement savings annually with a high probability of not running out. For a $1 million portfolio, that's $40,000/year. Use our investment calculator and inflation calculator alongside the retirement calculator for a complete picture.
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Frequently Asked Questions
How much do I need to retire?
A common rule is to have 25 times your annual expenses saved (the 4% rule). If you need $50,000 per year, you need
What is the 4% rule?
The 4% rule states that you can withdraw 4% of your retirement savings in the first year, then adjust for inflation each year, with a high probability your money lasts 30+ years.
How much should I save each month?
Financial experts recommend saving 15% of gross income for retirement. Starting early matters more than the amount — a 25-year-old saving $300/month often ends up with more than a 35-year-old saving $600/month.