Planning
Retirement Calculator
Plan your golden years
Project your retirement savings growth based on current savings, monthly contributions, expected returns, and time until retirement. See your monthly income using the 4% rule.
Retirement Profile
Retirement Savings Growth
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How It Works
The Formula
FV = P(1+r)^t + PMT×[(1+r)^t − 1]/r
P = current savings · PMT = monthly contribution · r = monthly return · t = months
Worked Example
$50,000 saved · $500/mo · 7%/yr · 25 years
- 1r = 0.005833, t = 300
- 2FV ≈ 50,000×5.73 + 500×811.5
- 3FV ≈ 286,500 + 405,750
Result: ≈ $692,000 at retirement
Pro Tip
The 4% rule: you can safely withdraw ~4% of the balance yearly.
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Calculatore.net Team
Our team of finance and math specialists builds every calculator with industry-standard formulas, then verifies each tool hands-on. Learn more in our blog & guides.