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🏖️ Retirement Calculator
See how much you will have at retirement given current age, retirement age, current savings, annual contribution, expected market return, and employer match. Includes year-by-year balance projection.
Examples
age 30 → 65, $25k start, $1,000/mo, 7%, 50% employer match up to 6%Projected at 65: ~$2.2Mage 45 → 65, $50k start, $1,500/mo, 7%, no matchProjected at 65: ~$960kLate starters need higher contributions to hit similar targets.
age 25 → 60, $10k start, $2,000/mo, 8%Projected at 60: ~$4.5MFrequently asked questions
How much do I need to retire?
A common rule is 25× your annual expenses (the 4% withdrawal rule). If you spend $60k/year in retirement, target $1.5M. Adjust up if you retire early or expect long life.
What return should I assume?
Historical US stock returns are ~7% real (after inflation). Many advisors use 6-7% for planning to stay conservative. Bond-heavy portfolios should assume lower.
Should I prioritize 401k or IRA?
First: contribute enough to get full employer match (free money). Then: max Roth/Traditional IRA ($7k in 2026). Then: more 401k up to the limit.
Roth vs Traditional?
Roth = pay tax now, withdraw tax-free. Traditional = deduct now, pay tax on withdrawal. Roth wins if you expect higher tax rates later (most younger / lower-income workers).
Does this account for taxes and inflation?
No — the projection is nominal dollars and pre-tax for traditional accounts. For real purchasing power, subtract ~2-3% inflation per year from the return assumption.
About this tool
Retirement Calculator runs entirely in your browser using standard Web APIs. No data is sent to any server. The source for this tool is in our public GitHub repository.
Related tools
- 📈 Compound Interest Calculator — Future value with compound interest. Configurable contribution & compounding frequency.
- 🎯 Savings Goal Calculator — How long to reach a target? Or how much to save monthly?
- 📈 Inflation Calculator — What is $X worth in Y years given Z% inflation? Past and future value.
Why this tool
vs typical free web-tool sites
| 1vw | Typical free site | |
|---|---|---|
| Price | Free | Free |
| Signup required | No | Often (for premium features) |
| Ads inside the tool | No | Yes (banner + video) |
| Data sent to server | No (browser-only) | Yes (inputs analyzed for ads) |
| Total tools | 96 | Often <20 or scattered across sites |
| Bookmarkable URL per tool | Yes | Mixed |
| Loads in under 1s | Yes (static) | Often slow (ad tracking) |
| Multilingual | EN / ES / PT / FR / DE | Usually EN only |
| Open source | Yes | No |