Retirement Calculator
Calculate if you're saving enough to retire with this free online retirement calculator. See your savings at retirement, how long they last and what to add.
Processed locally in your browserHow?
This tool runs in this browser tab. The files, text and values you enter are not uploaded to clkr.work servers — closing the tab clears them. Anonymous usage events (such as which button was pressed) are counted, never your content. Privacy policy
What next?
Found it useful? Share Retirement Calculator
Free, no sign-up, works in the browser — send it to a friend or add it to your site.
Related tools
- Savings Goal CalculatorCalculate how much to save each month with this free online savings goal calculator, or how long it takes to reach your goal with interest.
- Emergency Fund CalculatorCalculate how big your emergency fund should be with this free online emergency fund calculator. Cover 3 to 12 months of expenses and see when you get there.
- House Affordability CalculatorCalculate how much house you can afford with this free online house affordability calculator — income, debts, down payment, rate, taxes, insurance and PMI.
- Rent Affordability CalculatorCalculate how much rent you can afford with this free online rent calculator. Uses the 30% rule, your debts and the 3× income landlord requirement.
- APY CalculatorCalculate APY from any interest rate and compounding frequency with this free online APY calculator, and see the interest your savings will earn.
- Car Depreciation CalculatorCalculate car depreciation with this free online car depreciation calculator. See what your car will be worth each year and how much value it loses over time.
Part of the toolkit
How to use Retirement Calculator
- 1Enter your age, retirement age, current savings and how much you add each month
- 2Set expected returns, inflation and the yearly income you want in retirement (in today's money)
- 3Press Calculate to see your savings at retirement, the nest egg you need, when money runs out and how much more to save
Frequently asked questions
How much do I need to retire?▾
Enough to fund your yearly spending for the whole retirement. This calculator adds up every inflation-adjusted withdrawal until your chosen age, discounted by the return you expect in retirement. A common rule of thumb is 25× your yearly spending (the 4% rule).
What return should I use?▾
Long-run US stock returns have averaged about 10% a year before inflation; a balanced portfolio is often modeled at 5–7%. Use a lower return in retirement, when portfolios usually hold more bonds.
Why does inflation matter so much?▾
At 3% inflation prices double in about 24 years, so $60,000 of spending today needs roughly $146,000 a year in 30 years. The calculator grows your income need with inflation every year.
Does it include Social Security, pensions or taxes?▾
No. Subtract any pension or Social Security you expect from the yearly income you enter, and remember that withdrawals from 401(k)s and traditional IRAs are taxed.
How is the extra monthly saving calculated?▾
It's the fixed monthly amount that, invested at your pre-retirement return until you retire, fills the gap between your projected savings and the amount needed.
Embed Retirement Calculator on your website▾
Paste this snippet into your page. The embedded tool runs in your visitor's browser and shows a small “Powered by clkr.work” link.