Plan your retirement with our free calculator. Estimate how much you need to save, project your nest egg growth, and see if your savings will last through retirement. Pure client-side — your financial data never leaves your device.
This retirement calculator helps you plan for financial independence. By entering your current age, savings, contribution rate, and expected returns, you can project your nest egg at retirement and estimate how long it will sustain your desired lifestyle. All calculations are performed locally in your browser — no financial data is ever transmitted.
A common rule of thumb is the "4% rule" — you need 25x your annual expenses saved. For example, if you need $40,000/year, aim for $1,000,000. However, this depends on your lifestyle, healthcare costs, location, and life expectancy. Our calculator projects your specific situation.
Historically, a diversified stock portfolio has returned about 7-10% annually before inflation. A conservative estimate for planning purposes is 5-7% after inflation. As you approach retirement, many advisors recommend shifting to more conservative investments (4-6%).
Inflation erodes purchasing power over time. If you need $4,000/month today, you'll need significantly more in 30 years. Our calculator factors in inflation to show you the real purchasing power of your retirement savings.
For a conservative estimate, plan without Social Security. If you want to include it, reduce your monthly expenses by your expected Social Security benefit. Many financial advisors recommend treating Social Security as a safety net rather than a core part of your plan.