Retirement Plan Calculator

Use our free retirement plan calculator to evaluate your retirement readiness. Compare your projected retirement corpus against the 4% rule target based on your desired retirement income.

Financial

Currency

Current Age

years

Retirement Age

years

Current Retirement Savings

Monthly Contribution

Expected Annual Return (%)

Current Annual Income

Desired Retirement Income (%)

Formula

Evaluate your retirement readiness with this comprehensive calculator. Project your savings growth with compound returns and see whether your retirement corpus will support your desired income using the 4% safe withdrawal rule.

FV of savings + contributions; compare to 4% rule target

Percentage: The percentage value you want to apply

Number: The original number or value

Result: The calculated result

How It Works

1Enter your current age, desired retirement age, and current savings.
2Input your monthly contributions and expected annual return.
3Enter your current annual income and what percentage you want in retirement.
4The calculator projects your corpus and compares it to the 4% rule target.
5See if you are on track or how much more you need to save.

Examples

30 years old, retiring at 65, $50k savings, $1k/month, 7% return, $75k income wanting 80%

1.Years to retirement = 35 years
2.Projected corpus with compounding ≈ $1.9M
3.Required corpus = $60k / 4% = $1.5M
4.Result: On track with surplus

Result: $1,900,000

Frequently Asked Questions

The 4% rule suggests you can withdraw 4% of your portfolio annually in retirement without depleting it over 30 years. Your required corpus is your desired annual income divided by 4%.

Consider increasing your monthly contributions, working longer, reducing your desired retirement income, or seeking higher returns while managing risk appropriately.

These are estimates based on constant returns. Actual market returns vary year to year. Review your plan annually and adjust contributions as needed.

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Retirement Planning Basics

CalculateMe Team

Last updated: 2026-07-16

How It Works

1Enter your current age, desired retirement age, and current savings.

2Input your monthly contributions and expected annual return.

3Enter your current annual income and what percentage you want in retirement.

4The calculator projects your corpus and compares it to the 4% rule target.

5See if you are on track or how much more you need to save.

Frequently Asked Questions

The 4% rule suggests you can withdraw 4% of your portfolio annually in retirement without depleting it over 30 years. Your required corpus is your desired annual income divided by 4%.

Consider increasing your monthly contributions, working longer, reducing your desired retirement income, or seeking higher returns while managing risk appropriately.

These are estimates based on constant returns. Actual market returns vary year to year. Review your plan annually and adjust contributions as needed.

Retirement Plan Calculator

Formula

How It Works

Examples

30 years old, retiring at 65, $50k savings, $1k/month, 7% return, $75k income wanting 80%

Frequently Asked Questions

What is the 4% rule?

What if I am not on track?

How accurate are these projections?

Related Calculators

Related Articles

Retirement Plan Calculator

Formula

How It Works

Examples

30 years old, retiring at 65, $50k savings, $1k/month, 7% return, $75k income wanting 80%

Frequently Asked Questions

What is the 4% rule?

What if I am not on track?

How accurate are these projections?

Related Calculators

Related Articles