Retirement Calculator
Project how much you could have at retirement based on your age, current savings, monthly contributions and expected return.
About you
Planning for retirement
This tool grows your current savings and monthly contributions at your expected annual return until your chosen retirement age. The estimated monthly income figure applies the well-known "4% rule" — a rough guide suggesting you can withdraw about 4% of your nest egg per year — to give a sense of what your savings might provide. Real outcomes depend on inflation, market returns, taxes and how long your retirement lasts.
Frequently asked questions
What return rate should I assume?
Long-term diversified portfolios have historically returned mid-single digits after inflation, but past performance does not guarantee future results. Trying a range of rates gives a more realistic picture.
Does this account for inflation?
The projection is in today's contribution terms and does not automatically adjust for inflation. Consider using a lower "real" return to factor it in.