Retirement Calculator
Free online Retirement Calculator.
Calculator
How to Use
- Enter the required values
- Click Calculate to see the result
- Review the detailed output
Formula
FV = PV(1+r)^t + PMT x [((1+r)^t - 1) / r], where FV = future value, PV = current savings, PMT = annual contribution, r = annual return, t = years to retirement.
Example Calculations
Early Saver
Input: Age 25, $5,000 saved, $6,000/yr, 7% return, retire at 65
Result: Retirement fund: $1,397,580
Late Starter
Input: Age 40, $10,000 saved, $12,000/yr, 6% return, retire at 65
Result: Retirement fund: $787,178
Aggressive Saver
Input: Age 30, $20,000 saved, $15,000/yr, 8% return, retire at 60
Result: Retirement fund: $2,073,456
About This Calculator
Free online retirement calculator. Calculate instantly in your browser with our easy-to-use tool. No sign-up required.
Our retirement calculator is free, easy to use, and provides instant results. All calculations are performed in your browser for privacy and speed.
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Frequently Asked Questions
How much to retire?
Common rule: 25x annual expenses. Needing $50K/year means about $1.25 million.
Compound interest and retirement?
Grows savings exponentially. Starting early means small contributions grow significantly over 30-40 years.
What is the 4% rule?
Withdraw 4% of savings first year, adjust for inflation after. Designed to last 30 years.
401(k) contributions?
Reduce taxable income, grow tax-deferred. Maximize employer match first as free money.
Roth vs traditional IRA?
Traditional: deductions now, taxes later. Roth: after-tax now, tax-free withdrawals in retirement.