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Retirement calculators

Retirement planning is about turning today's savings into tomorrow's income. These tools estimate how large a nest egg you'll build, how long it will last, and how much you need to save now to reach your goal. Starting early is the single biggest advantage, because decades of compounding are hard to replace.

12browse calculators

InstantUpdates as you type

PrivateNothing you enter is stored

Retirement SavingsEstimates your retirement balance from current savings, contributions and expected return.
401(k)Projects a workplace retirement balance including any employer match.
Roth IRAProjects a Roth balance where qualified withdrawals are tax-free.
Pension DrawdownEstimates how long a pension pot lasts at a chosen withdrawal rate.
FIRE NumberCalculates the portfolio needed to retire early at a 4% withdrawal rate.
Retirement BenefitEstimates a state retirement benefit and the effect of claiming earlier or later.
Annuity PayoutEstimates the income an annuity can pay for a set period or for life.
Required DistributionEstimates the minimum you must withdraw from certain retirement accounts each year.
Retirement IncomeAdds up expected retirement income from all sources against your spending needs.
Savings WithdrawalShows how long savings last at a chosen monthly withdrawal.
Lifetime AnnuityEstimates the monthly income a life annuity could pay from a lump sum, based on your age and an assumed rate.
4% RuleApplies the classic 4% safe-withdrawal benchmark to a portfolio and shows the annual and monthly income it implies.

Using the Retirement calculators

Enter your own figures to get an instant estimate, then read the formula, worked example and FAQ on each tool for the detail behind the result. Every calculator runs privately in your browser — nothing you type is stored or sent anywhere.

Frequently asked questions

How much do I need to retire?

A common benchmark is 25× your annual spending, matching a 4% withdrawal rate.

When should I start saving?

As early as possible — a decade of compounding is very hard to make up later.

Should I capture an employer match?

Always — it's effectively free money added to your savings.