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Retirement calculator
Find out how much you will have when you retire, how long it will last, and how much to save for the income you want. Everything in today’s money. Free, no sign-up, and nothing you type leaves your browser.
- Today’s money
- Pension or Social Security
- Age your money runs out
- Savings needed
Your savings run out at age 80
Your savings run out at age 80
To get $4,000.00 a month until age 90, save $1,653.50 a month instead of $1,000.00.
Or plan on $2,679.10 a month. Retiring later, spending less or adding a pension also closes the gap.
Your savings by age, in today’s money
- Saving
- Spending
- Balance
- Retire at 65
- Runs out at 80
Point at the chart to see any age. Blue is the years you save, gold the years you live on your savings. The dashed line is your retirement at 65; the red line, the age 80 when the money runs out.
Year by year, in today’s money
| Age | Contributions | Withdrawals | Growth | Balance |
|---|---|---|---|---|
| 36 | $11,650.49 | $0.00 | $2,310.97 | $63,961.45 |
| 37 | $11,311.15 | $0.00 | $2,842.41 | $78,115.01 |
| 38 | $10,981.70 | $0.00 | $3,381.62 | $92,478.33 |
| 39 | $10,661.84 | $0.00 | $3,929.28 | $107,069.45 |
| 40 | $10,351.31 | $0.00 | $4,486.08 | $121,906.84 |
| 41 | $10,049.81 | $0.00 | $5,052.74 | $137,009.39 |
| 42 | $9,757.10 | $0.00 | $5,629.97 | $152,396.46 |
| 43 | $9,472.91 | $0.00 | $6,218.52 | $168,087.89 |
| 44 | $9,197.00 | $0.00 | $6,819.15 | $184,104.04 |
| 45 | $8,929.13 | $0.00 | $7,432.65 | $200,465.82 |
| 46 | $8,669.06 | $0.00 | $8,059.82 | $217,194.69 |
| 47 | $8,416.56 | $0.00 | $8,701.48 | $234,312.73 |
| 48 | $8,171.42 | $0.00 | $9,358.49 | $251,842.63 |
| 49 | $7,933.41 | $0.00 | $10,031.72 | $269,807.76 |
| 50 | $7,702.34 | $0.00 | $10,722.07 | $288,232.17 |
| 51 | $7,478.00 | $0.00 | $11,430.47 | $307,140.65 |
| 52 | $7,260.20 | $0.00 | $12,157.88 | $326,558.72 |
| 53 | $7,048.74 | $0.00 | $12,905.28 | $346,512.74 |
| 54 | $6,843.43 | $0.00 | $13,673.68 | $367,029.85 |
| 55 | $6,644.11 | $0.00 | $14,464.15 | $388,138.11 |
| 56 | $6,450.59 | $0.00 | $15,277.75 | $409,866.45 |
| 57 | $6,262.71 | $0.00 | $16,115.62 | $432,244.78 |
| 58 | $6,080.30 | $0.00 | $16,978.90 | $455,303.98 |
| 59 | $5,903.20 | $0.00 | $17,868.79 | $479,075.98 |
| 60 | $5,731.27 | $0.00 | $18,786.52 | $503,593.77 |
| 61 | $5,564.34 | $0.00 | $19,733.38 | $528,891.48 |
| 62 | $5,402.27 | $0.00 | $20,710.68 | $555,004.43 |
| 63 | $5,244.92 | $0.00 | $21,719.79 | $581,969.14 |
| 64 | $5,092.16 | $0.00 | $22,762.12 | $609,823.42 |
| 65 | $4,943.84 | $0.00 | $23,839.14 | $638,606.40 |
| 66 | $0.00 | $47,239.30 | $11,136.05 | $602,503.16 |
| 67 | $0.00 | $47,239.30 | $10,435.02 | $565,698.88 |
| 68 | $0.00 | $47,239.30 | $9,720.37 | $528,179.95 |
| 69 | $0.00 | $47,239.30 | $8,991.85 | $489,932.50 |
| 70 | $0.00 | $47,239.30 | $8,249.18 | $450,942.38 |
| 71 | $0.00 | $47,239.30 | $7,492.09 | $411,195.17 |
| 72 | $0.00 | $47,239.30 | $6,720.30 | $370,676.17 |
| 73 | $0.00 | $47,239.30 | $5,933.52 | $329,370.40 |
| 74 | $0.00 | $47,239.30 | $5,131.47 | $287,262.57 |
| 75 | $0.00 | $47,239.30 | $4,313.84 | $244,337.11 |
| 76 | $0.00 | $47,239.30 | $3,480.34 | $200,578.15 |
| 77 | $0.00 | $47,239.30 | $2,630.65 | $155,969.50 |
| 78 | $0.00 | $47,239.30 | $1,764.46 | $110,494.66 |
| 79 | $0.00 | $47,239.30 | $881.46 | $64,136.82 |
| 80 | $0.00 | $47,239.30 | -$18.70 | $16,878.82 |
| 81 | $0.00 | $16,496.64 | -$382.18 | $0.00 |
| 82 | $0.00 | $0.00 | $0.00 | $0.00 |
| 83 | $0.00 | $0.00 | $0.00 | $0.00 |
| 84 | $0.00 | $0.00 | $0.00 | $0.00 |
| 85 | $0.00 | $0.00 | $0.00 | $0.00 |
| 86 | $0.00 | $0.00 | $0.00 | $0.00 |
| 87 | $0.00 | $0.00 | $0.00 | $0.00 |
| 88 | $0.00 | $0.00 | $0.00 | $0.00 |
| 89 | $0.00 | $0.00 | $0.00 | $0.00 |
| 90 | $0.00 | $0.00 | $0.00 | $0.00 |
How it works
How the calculator works
Your plan has two phases. First your savings grow while you contribute. Then, from the age you retire, you live on them. The calculator follows both month by month until the age you plan for.
- Until you retire your contribution goes in at the end of every month and your savings earn the return before retirement.
- From the month you retire you take out the income you want minus your other income, at the start of every month.
- That withdrawal rises with inflation every month, so $4,000 keeps buying what $4,000 buys today.
- What is left keeps earning the return during retirement, until the money runs out or you reach the age you plan for.
Your results
Reading your results
Savings at retirement
What you will have on the day you retire. It is shown in today’s money, so you can compare it with prices now. Switch on future dollars to see the figure your statement would show.
Money lasts until
The age at which your savings can no longer pay the income you want. After that, only your other income is left. “Beyond 90” means the plan holds to the age you chose.
Income you can afford
The highest monthly income, including your other income, that lasts exactly until the age you plan for. Use it as a ceiling for your budget in retirement.
Pension estimates
Where to find your pension estimate
A public pension can cover a large part of the income you need. Look up your own estimate and enter the monthly amount in “Other monthly income”. Official estimates are generally shown in today’s money, which is what the calculator expects.
- United States
Social Security
Sign in to my Social Security on ssa.gov to see your estimated benefit at different claiming ages.
- United Kingdom
State Pension
Check your State Pension forecast on GOV.UK. It shows a weekly amount, so multiply by 52 and divide by 12.
- Brazil
INSS
Use Meu INSS to simulate your retirement and see the expected monthly benefit.
Four ways to make your money last longer
Figures from this calculator for the default plan: age 35, $50,000 saved, $1,000 a month, 7% before and 5% during retirement, $4,000 a month wanted and 3% inflation. With no changes, the money runs out at about 80.
Retire a little later
Retiring at 67 instead of 65 makes the money last to about 84. At 68 it lasts to about 86. You save for longer and spend for fewer years.
Try it in the calculatorRaise your contribution
Increasing the $1,000 a month by 3% each year, in step with your salary, makes the money last to about 85.
Try it in the calculatorSpend a little less
Living on $3,500 a month instead of $4,000 makes the money last to about 82. On $3,000 it lasts to about 86.
Try it in the calculatorCount every income
A pension of $1,500 a month in today’s money means your savings only need to pay $2,500. The plan then lasts beyond 90.
Try it in the calculator
The questions people ask most
How much do I need to retire?
It depends on the income you want, your other income, how long you plan for and the return on your savings. Enter your numbers and the calculator shows both answers: the income your plan can pay until the age you chose, and the monthly saving needed to reach the income you want.
What return should I use before and during retirement?
Before retirement, use the yearly return you expect from your investments after fees. During retirement, many people hold more cautious investments, so the return is often set lower. Returns are not guaranteed, so try a cautious figure as well.
Why is everything in today’s money?
Because prices rise. $4,000 thirty years from now buys much less than $4,000 today. Showing amounts in today’s money lets you compare the result with your budget now. The switch under Inflation shows the future dollars instead.
What does “plan until” mean?
The age up to which you want the money to last. The calculator stops there. A higher age is more cautious, because the same savings have to cover more years.
What happens if my savings run out?
From that age only your other income remains, such as a pension. The chart and the table show the year it happens, and the summary shows how much more to save, or how much less to spend, to avoid it.
Does the calculator include taxes?
No. Tax rules depend on your country and on the type of account. Enter the income you want before tax and keep in mind that part of each withdrawal may be taxed.
Is my data stored or sent anywhere?
No. All the calculations run in your browser. Nothing is sent to a server and nothing is saved. Copy link puts your numbers in the web address, so only the people you share it with can see them.