Find out whether your savings are on track. Enter your current age, planned retirement age, current savings, expected annual return and the monthly income you want, and the tool estimates the nest egg you need and the gap or surplus. These results are estimates for general information only and are not financial, investment or tax advice. Actual figures depend on the terms of your lender or provider and your local tax rules.
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How to Use the Retirement Calculator
Enter your age, the age you plan to retire, what you have saved so far, the annual return you expect and the monthly income you want in retirement. Press Calculate to see the target nest egg and whether you are short or ahead.
How the target is estimated
The target uses a 4% annual withdrawal rule: desired annual income divided by 0.04.
Current savings are projected forward at the expected annual return.
The shortfall is the target minus projected savings; a positive surplus means you are ahead.
If there is a shortfall, the tool also shows the extra monthly saving that would close it.
Tips
Try a lower expected return to see a cautious scenario. The 4% rule is a rule of thumb and not a promise; your own plan may differ.
Features
Target nest egg based on your desired retirement income
Projected savings at retirement
Clear shortfall or surplus, plus the extra monthly saving to close a gap
Choose your currency and copy the result
All processing runs locally in your browser. Your data is not uploaded to any server.
These results are estimates for general information only and are not financial, investment or tax advice. Actual figures depend on the terms of your lender or provider and your local tax rules.