Retirement Calculator

Estimate retirement savings from balance, contributions, return, inflation, and optional income need.

Retirement Calculator helps you estimate savings at retirement, with inflation and optional income needs. Enter current savings, monthly contribution, current age, retirement age, and expected annual return, review the breakdown, and use the guidance below to understand what the number means — and what it does not. What the Retirement calculator does Retirement Calculator is built for money decisions — loans, savings, payments, and taxes. Estimate savings at retirement, with inflation and optional income needs. You enter current savings, monthly contribution, current age, retirement age, and expected annual return, then Simple Calculators computes the result instantly. Rates, fees, and tax rules vary by lender and country, so treat results as planning numbers, not a contract. How the math works Years to retirement is retirement age minus current age. Savings grow with monthly compounding. Inflation discounts the nest egg and grows a desired income need. The formula: FV = P × (1 + r ÷ 12)^N + D × ((1 + r ÷ 12)^N − 1) ÷ (r ÷ 12). P is current savings, D is the monthly contribution, r is the yearly return, and N is months until retirement. The income check compares savings × withdrawa…