TechTools

Retirement Savings Calculator

Life Stage Presets

Your Profile

Current Age25 yrs
1870
Retirement Age65 yrs
4080
Life Expectancy88 yrs
70100
40
yrs to retire
23
retirement yrs
63
total yrs

Savings & Contributions

Current Retirement Savings
$0$2,000,000
Monthly Contribution
$0$10,000
$1300/wk
equivalent weekly
$3,600/yr
annual total

Investment Assumptions

Pre-Retirement Return8.0% / yr
0.515
Post-Retirement Return5.0% / yr
0.510
Inflation Rate3.0% / yr
08
Compounding Frequency

Retirement Needs

Monthly Expenses (today's dollars)
$500$20,000
Social Security / Pension (monthly)
$0$5,000
Withdrawal Rate4.0%
27

The 4% rule suggests withdrawing 4% of your portfolio annually. Lower rates (3–3.5%) are more conservative and extend coverage.

Currency

25× Rule Check

Required (25× annual need)$2.49M
Projected balance$1.17M

47.0% funded

Off Track

$1.17M

Projected balance at age 65

Significant adjustments needed to meet your goals.

Portfolio Income/mo

$3.9K

4% withdrawal rule

Total Monthly Income

$8.9K

incl. $5.0K SS/Pension

Monthly Expenses (adj.)

$13.3K

inflation-adjusted at 65

Monthly Shortfall

$-4.4K

Savings Coverage

17 yrs 9 mo

from retirement

Total Interest Earned

$1.02M

compound growth

Portfolio Balance Over Time

Accumulation Distribution Required (25×) Retirement age

Portfolio Composition at Retirement

Initial Savings$5.0K

0.4%

Contributions$144.0K

12.3%

Investment Growth$1.02M

87.3%

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Plan for a financially secure retirement with a comprehensive browser-based calculator. Enter your current age, target retirement age, current savings balance, monthly contribution, expected annual return, and anticipated monthly expenses in retirement. The calculator projects your portfolio balance at retirement using compound interest modeling, then applies the 4% withdrawal rule to estimate sustainable monthly income and checks whether it covers your expenses. Tests whether savings will last to your life expectancy. Five life-stage presets - Early Career through Final Stretch - provide realistic starting values. A year-by-year schedule shows projected balance at every age. A four-scenario comparison table compares different contribution rates or returns side by side. All calculations run in your browser - no account required.

How to Use

  1. 1Select a life-stage preset (Early Career, Mid Career, etc.) or enter your own age and savings details
  2. 2Set your current savings, monthly contribution, and expected investment return
  3. 3Enter your estimated monthly expenses in retirement and any Social Security or pension income
  4. 4Review the result card - check your projected balance, monthly income, and surplus or shortfall
  5. 5Explore the Year-by-Year table and Scenarios tab to stress-test your plan

Features

  • 5 life-stage presets (Early Career through Final Stretch)
  • Projected portfolio balance at retirement
  • 4% withdrawal rule and custom withdrawal rate
  • Inflation-adjusted expense modeling
  • Social Security / pension income offset
  • Compound interest (daily, monthly, quarterly, annual)
  • On Track / At Risk / Off Track status indicator
  • Balance-over-time chart (accumulation + distribution phases)
  • Portfolio composition donut chart
  • Year-by-year savings and withdrawal table
  • 4-scenario comparison (save more, retire later, higher return)
  • 25× rule funded percentage check
  • 130+ currencies supported
  • Copy summary to clipboard

Frequently Asked Questions

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