Plan Your Financial Future with Our Retirement Calculator

Wondering how much money you need to retire comfortably? Our Retirement Calculator helps you estimate how much you’ll have saved by retirement and whether it’s enough to support your lifestyle. With just a few simple inputs, you’ll get a clear picture of your financial future — complete with a visual savings growth chart.

How to Use the Calculator 

Fill in the following fields:

1. Current Age
   e.g., 30 — Your age today.

2. Retirement Age
   e.g., 65 — The age you plan to stop working.

3. Life Expectancy
   e.g., 90 — How long you expect to live (used to estimate how many years you’ll spend in retirement).

4. Monthly Savings
   e.g., 500 — The amount you regularly save each month toward retirement.

5. Expected Annual Return (%)
   e.g., 6 — Your estimated yearly investment return (stocks, bonds, etc.).

6. Inflation Rate (%)
   e.g., 2 — The average annual increase in living costs.

7. Annual Income Needed in Retirement
   e.g., 40000 — The amount you’d like to receive every year once retired.

8. Annual Spending After Retirement
   e.g., 35000 — Your estimated expenses per year in retirement.

After filling in all the fields, click “Calculate” to see:

• How much money you’ll have by retirement.

• How much money you will need to cover all your retirement years.

• A chart showing how your savings grow over time.

Frequently Asked Questions (FAQs)

1: What if I don’t know my life expectancy?
A: You can use an average of 85–90 years. Or consult national life expectancy stats.

2: What’s the difference between “Annual Income Needed” and “Spending After Retirement”?
A: “Income Needed” is your retirement income goal (including pension/social security). “Spending” is your estimated living expenses.

3: How accurate is this calculator?
A: It provides a helpful estimate, but actual retirement needs can vary. Consult a financial advisor for a detailed plan.

4: What investment return rate should I use?
A: Conservative estimates range from 4%–7% annually depending on your risk profile.

5: Why does inflation matter?
A: Because $1 today won’t have the same value in 30 years. Inflation helps adjust your retirement goals realistically.

6: Can I change the currency?
A: This version is in USD. For other currencies (CAD, EUR, VND…), ask us to customize it.