Retirement Calculator
Last updated: June 2026 · Free · No sign-up required
Enter values above and click Calculate to see your result instantly.
Quick reference
Portfolio target using the 4% rule after Social Security/pension:
| Portfolio income needed | Approx. target |
|---|---|
| $20,000/yr | $500,000 |
| $40,000/yr | $1,000,000 |
| $60,000/yr | $1,500,000 |
| $80,000/yr | $2,000,000 |
savings Plan with confidence
Finance decisions get a lot easier when you can see the full picture. Enter your numbers above to see total payments, interest paid, and the long-term cost of every choice — so you can compare options side by side before signing anything.
percent How the math works
We use the standard amortization, compound-interest and present-value formulas published by the Consumer Financial Protection Bureau and the Federal Reserve. The methodology block below shows every variable and rounding step we apply, so the answer is never a black box.
shield_lock Your data stays private
Every calculation happens in your browser with JavaScript — your income, balances, and loan numbers are never sent to our servers, logged, or shared. Close the tab and the inputs vanish. No sign-up, no tracking pixels on the form, no spreadsheet emailed to you later.
lightbulb Pro tip
Save the URL after you calculate — your inputs aren't stored, so write down the headline number plus the breakdown. Then come back and edit one variable at a time (down payment, rate, term) to see exactly which lever moves your monthly figure the most. That's where the real planning happens.
Interpretation guide
| Planning lever | Effect |
|---|---|
| Start earlier | More years for compounding |
| Increase savings rate | Raises the balance you control |
| Delay retirement | Adds saving years and shortens drawdown |
| Lower withdrawal rate | Improves margin for long retirements |
Formula & methodology
Formula: Target nest egg ≈ annual portfolio income need ÷ withdrawal rate
The retirement projection combines accumulation before retirement and a withdrawal-rate estimate after retirement. The 4% rule is a planning baseline, not a guarantee, and sequence-of-returns risk matters.
Authoritative source: Social Security Administration