Retirement Savings Calculator
Project a pot forward to retirement age with regular contributions.
Method
How it works
Years of saving are retirement age minus current age. Current savings and fixed monthly contributions are then grown using a monthly rate derived from the entered annual return.
The illustrative monthly income applies a 4% annual withdrawal rate to the projected pot and divides it by 12. The model assumes constant returns and contributions and does not account for inflation, tax, fees or contribution timing changes.
Common questions
Frequently asked questions
What does the 4% monthly income figure mean?
It is the projected balance multiplied by 4% per year and divided by 12; it is not a guaranteed sustainable income.
Are retirement results adjusted for inflation?
No. The displayed future value is nominal under the entered return rate.
What happens if retirement age is below current age?
There is no positive saving period, so a meaningful forward projection cannot be produced.
Not financial advice. This calculator is for general informational purposes only. Check figures independently before making financial decisions.