Retirement Calculator
Project your savings at retirement age
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About this calculator
Enter your age, planned retirement age, current savings, monthly contributions and an expected annual return. The calculator projects the pot at retirement and the monthly income it could support using the common 4% withdrawal guideline.
The formula
Balance grows monthly: B = B × (1 + r/12) + contribution
Worked exampleAge 30, retire at 65, 20,000 saved, 400/month at 6% → about 0.73 million at retirement.
Frequently asked questions
What is the 4% rule?
A guideline that withdrawing 4% of the pot in the first year, adjusted for inflation, has historically lasted about 30 years.
Is the return guaranteed?
No. Real returns vary year to year; test lower rates too.
Does it include inflation?
No. Treat the result as a nominal figure.
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