Retirement Calculator

Estimate how much you'll have saved by retirement based on your age, current savings, monthly contributions, and return rate. Free, instant, no signup.

years
years
%
Formula: FV = Savings×(1+r)^n + Monthly×((1+r)^n − 1)/r
  • r = monthly return rate
  • n = months until retirement

How to use the Retirement Calculator

  1. Enter your values. Fill in the fields with your numbers.
  2. Calculate. Press Calculate to run the retirement calculator.
  3. Use the result. Copy the result or try a related tool next.

Why use our Retirement Calculator

Instant results. Enter your figures and the retirement calculator returns an answer in seconds.
Free & private. Runs in your browser — no signup, and nothing is sent to a server.
Accurate. Uses standard formulas so you can rely on the numbers.

Free to use — premium coming soon

FREE
  • Unlimited calculations
  • Instant results
  • No signup
PREMIUM
  • Remove ads
  • Save & compare scenarios
  • Export results

About the Retirement Calculator

The Retirement Calculator projects how large your retirement nest egg could grow by the time you stop working, and how much annual income that pot might realistically support. You enter your current age, target retirement age, the amount you have saved today, your ongoing monthly contributions, and an expected average annual return. From there the tool compounds your existing balance and your future deposits forward to retirement, then estimates a sustainable yearly withdrawal. It turns a vague worry into a concrete number, so you can see whether your current savings rate is on track or needs a nudge upward.

Reach for this calculator whenever you are making a savings decision and want to see its long-term consequence: deciding how much to put into a 401(k) or IRA, weighing whether to retire at 60 versus 67, or sanity-checking a target like 'a million dollars by 65'. It is most useful early, because small changes to your monthly contribution or retirement age compound dramatically over decades. People also use it the other way around, starting from a desired retirement income and working backward to find the nest egg and monthly savings required to fund it.

Under the hood the tool combines two finance formulas. Your current savings grow by future value of a lump sum, FV = PV * (1 + r)^n, while your monthly contributions grow as a future value of an annuity, FV = PMT * (((1 + r)^n - 1) / r), where r is the periodic return and n is the number of periods until retirement. The two results are added to estimate your nest egg. To translate that balance into spendable income, the calculator commonly applies the 4% rule: roughly 4% of the starting balance can be withdrawn in year one, which is the same as the 25x rule (a $40,000 income need implies $1 million saved).

Treat every figure as an informed estimate, not a promise. The output is only as good as the assumptions you feed it, and returns, inflation, and your own life span are impossible to forecast precisely. A return assumption that is off by a single percentage point can shift a multi-decade projection by hundreds of thousands of dollars, so it helps to run optimistic and pessimistic versions. On privacy: this calculator runs entirely in your browser. Your age, balances, and contribution amounts are never sent to a server, stored, or shared, so you can model sensitive numbers freely.

Frequently asked questions

How much do I need to retire?

A widely used shortcut is the 25x rule: estimate your desired annual spending in retirement and multiply by 25. If you expect to need $60,000 a year from savings, that points to about $1.5 million. This pairs with the 4% rule, which assumes you withdraw roughly 4% of the balance in your first year of retirement.

What rate of return should I enter?

Many calculators default to around 6% before retirement and a more conservative 5% during retirement, reflecting a shift to safer investments. These are nominal estimates based on long-run historical averages, not guarantees. Use a lower figure if you want a cautious projection and consider whether your return is already inflation-adjusted.

Does the calculator account for inflation?

It depends on what you enter. A common approach is to assume about 3% average annual inflation, which matches the long-term U.S. average. You can build inflation in by using a real (inflation-adjusted) return, for example 4% instead of 7%, so the result is stated in today's purchasing power.

How accurate is a retirement calculator?

It is a planning estimate, not a forecast. The result is highly sensitive to your assumptions about returns, inflation, and life expectancy, all of which are impossible to predict exactly. Because a 1% difference in return can change a 30-year projection by a large amount, run several scenarios rather than trusting a single number.

Does it include Social Security or pensions?

This calculator focuses on the savings you build through contributions and investment growth. For a fuller picture, subtract any guaranteed income such as Social Security or a pension from your annual spending need first, then use the calculator to size only the gap your savings must cover.

From our blog

How to Estimate Cubic Yards for Any Landscaping or Concrete Project

By the Super Simple Digital Tools Team · Updated June 2026

Bulk materials live in a frustrating gap between how you measure and how you buy. You pace out a flower bed in feet and inches, but the garden center sells mulch by the cubic yard and the ready-mix plant quotes concrete the same way. Cubic yards are simply the standard unit for material that arrives by the truckload, because a cubic yard is a manageable, deliverable chunk: a cube three feet on every side. Getting comfortable with that single unit lets you plan any fill job confidently, whether you are dressing a garden, pouring a slab, or building a gravel drive.

Start with three measurements: length, width, and depth. Length and width are usually easy to take in feet. Depth is where most people slip, because it is often shallow and naturally measured in inches. A typical mulch bed runs 3 to 4 inches deep, a decorative gravel layer 1 to 2 inches, and a standard concrete slab 4 inches. Whatever you use, convert depth to feet before you calculate by dividing inches by 12. Keeping every dimension in the same unit is the single most important habit for getting a correct answer.

With consistent units, the conversion is one short formula: length times width times depth gives cubic feet, and dividing by 27 gives cubic yards. The number 27 is not arbitrary; it is how many cubic feet fit inside that three-by-three-by-three-foot cube. So a 20-by-15-foot patio poured 4 inches thick works out to 20 x 15 x 0.333, about 100 cubic feet, which divided by 27 is roughly 3.7 cubic yards. Awkwardly shaped yards are easy too: split them into rectangles, calculate each piece, and add the results together at the end.

Geometry tells you the exact volume of the hole, but it does not tell you how much to order, and those are different numbers. Ground is rarely perfectly level, material compacts as it settles, and some always spills during placement. A common rule is to add about 10 percent for landscaping materials and 10 to 15 percent for concrete, rounding concrete up to the nearest quarter yard since you usually cannot buy a precise fraction. Suppliers sometimes price by the ton rather than the yard, so remember most gravel weighs roughly 1.4 to 1.7 tons per cubic yard if you need to cross-check a quote.

Run a quick sanity check before you commit. Coverage figures are an easy gut test: one cubic yard spreads over about 162 square feet at 2 inches deep or 108 square feet at 3 inches, so if your project area is far off from what your yardage implies, recheck your depth conversion first. For shallow four-inch slabs there is a handy shortcut contractors use: divide the total square footage by 81 to get cubic yards directly. Once your inputs are clean and a margin is added, the order you place should match the space you measured.

  • Always convert depth from inches to feet (divide by 12) before multiplying; a forgotten conversion is the most common reason an estimate comes out wildly wrong.
  • Break irregular spaces into simple rectangles or circles, calculate each separately, and sum the cubic yards rather than trying to average odd shapes.
  • Add roughly 10 percent extra for soil, mulch, and gravel and 10 to 15 percent for concrete, then round concrete up to the nearest quarter yard.
  • If a supplier quotes by the ton, remember most gravel runs about 1.4 to 1.7 tons per cubic yard, so you can translate between their price and your measured volume.

Read the full guide →

Tool by the Super Simple Digital Tools Team. Reviewed by our editorial team. Free to use, no signup required.

Related tools