Sustainable Monthly Income
$1,887.17
Retirement Calculator
All-in-one retirement readiness summary.
Projected Savings at Retirement
$357,529.87
Desired Monthly Income
$4,000.00
Monthly Surplus/(Gap)
-$2,112.83
Retirement-phase income assumes the balance keeps earning a fixed 4% annual return while being drawn down.
How to use the Retirement Calculator
The Retirement Calculator is free and runs entirely in your browser — no sign-up, and nothing you enter leaves your device. It opens pre-filled with a realistic example, so you can see how it works before replacing any figure with your own; the results update as you type. Press Calculate to refresh the result panel, or Reset to return to the example.
The inputs it asks for:
- Current Age — a number.
- Retirement Age — a number.
- Current Savings — a dollar amount.
- Monthly Contribution — a dollar amount.
- Pre-Retirement Return — a percentage (enter 6 for 6%).
- Life Expectancy — a number.
- Desired Monthly Income — a dollar amount.
Worked example
Using the example values — Current Age 40, Retirement Age 65, Current Savings $20,000.00, Monthly Contribution $300.00, Pre-Retirement Return 7%, Life Expectancy 90, and 1 more — the Retirement Calculator returns a Projected Savings at Retirement of $357,529.87. It also reports Sustainable Monthly Income ($1,887.17), Desired Monthly Income ($4,000.00), Monthly Surplus/(Gap) (-$2,112.83).
Prefer your own numbers? Change any field above and this recomputes instantly.