Retirement Calculator

Find your freedom number. Enter your age, what you have saved and what you can save each month, and this planner projects your retirement corpus and the monthly income it could sustainably pay you using the widely cited 4% rule.

What is the retirement calculator?

A retirement calculator projects how large your savings pot could grow by the day you stop working, then estimates the income it can pay without running dry. This planner grows your current savings plus monthly contributions at your chosen return, then applies a 4% first-year withdrawal to show a sustainable monthly income, adjusted into today's money so the figure is meaningful.

How the retirement calculator works

Worked example. A 30-year-old with $20,000 saved, adding $800 a month at 9% until age 60, is projected to reach a corpus near $1.5 million. At the 4% rule that supports about $5,000 a month in the first year, though in today's money, after 30 years of assumed 3% inflation, that feels closer to $2,100.

How to use it

1. Enter your current age and your target retirement age.
2. Add what you have saved and what you can save each month.
3. Set an expected return and an inflation assumption.
4. Read both the corpus and the monthly income it can pay.

Good to know before you rely on it

• The 4% rule is a historical guide, not a guarantee. In long low-return stretches a lower withdrawal, nearer 3 to 3.5%, is safer.
• Tax-advantaged accounts change the maths. A 401k, IRA or Roth in the US, or an ISA or SIPP in the UK, shelters growth and is worth using first.
• The projection ignores state or employer pensions. If you expect one, you may need a smaller personal corpus.
• Revisit the plan every few years. A pay rise, a career break or a market crash all shift the required monthly saving.

Why Thewealthora’s retirement calculator is different

• Translates a scary corpus number into a real monthly income you can picture.
• Shows that income in today's money, so inflation is never glossed over.
• Makes the cost of waiting visible: change your age and watch the required saving jump.

Pair it with the SIP Calculator, the Savings Goal Calculator, or open live markets and our investing guides.

Sources and further reading

For the underlying concepts, see the U.S. Securities and Exchange Commission on saving for retirement.

This tool is for education, not personalised financial advice. Results are projections based on your inputs, not guarantees.