Retirement Savings Calculator
Estimate your retirement pot and the yearly income it could support using the 4% rule.
How the estimate works
The calculator compounds your savings monthly until your chosen retirement age, adding your monthly contribution each month. It then shows the yearly income that a 4% withdrawal rate could provide, a common rule of thumb.
What can change the outcome
Starting early matters most. Employer matching, fees, inflation and market swings all affect results. Treat this as a planning guide and consider speaking to a licensed adviser.
Worked example
Last reviewed November 2026. Formulas are standard and shown in the sections above; results are estimates.
Tips and common mistakes
- Always capture any employer match first, it is free money.
- Index funds with low fees keep more growth in your pocket.
- Increase contributions whenever you get a raise.
Learn more
Frequently asked questions
What is the 4% rule?
A guideline that you can withdraw about 4% of your pot in the first year and adjust for inflation, with a good chance the money lasts 30 years.
Is this in today's money?
No. Inflation will reduce what the future amount can buy.
Does it include pensions or Social Security?
No. Add those to your income estimate separately.
Money guides for this topic
All guides →Compound Interest Explained (and Why Starting Early Wins)
How compound interest works, the rule of 72, and a simple example showing why time matters most.
Read guide →401(k) vs Roth IRA: Which Should You Use First?
How employer match, tax treatment and flexibility compare, and a simple order for filling retirement accounts.
Read guide →Investing for Beginners: A Simple Plan with the Numbers
A plain-English starter plan for investing: low-cost index funds, regular contributions and why fees matter.
Read guide →Related calculators
FIRE Number Calculator
Find how much you need to retire early (FIRE) and how many years it will take.
Open calculator →Roth vs Traditional IRA Calculator
Compare Roth and Traditional retirement accounts after tax, based on your tax rate now and in retirement.
Open calculator →401(k) Calculator with Employer Match
Project your 401(k) or workplace pension balance with salary growth and employer match.
Open calculator →Results are estimates and not financial advice.