Zehum
Free tool

Free Retirement Savings Calculator

Project your retirement pot and the annual income it could support.

Projected pot at 65
$1,635,532
You'll have contributed
$356,800
Investment growth
$1,278,732
Annual income at 4%
$65,421

That's about $5,452 a month, in today's dollars before inflation, over 33 years of growth. Projections are estimates, not guarantees — real returns vary year to year.

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Projection by age

AgeContributedGrowthBalance
33$49,600$3,206$52,806
34$59,200$7,337$66,537
35$68,800$12,461$81,261
36$78,400$18,650$97,050
37$88,000$25,979$113,979
38$97,600$34,533$132,133
39$107,200$44,399$151,599
40$116,800$55,672$172,472
41$126,400$68,454$194,854
42$136,000$82,854$218,854
43$145,600$98,989$244,589
44$155,200$116,985$272,185
45$164,800$136,975$301,775
46$174,400$159,105$333,505
47$184,000$183,528$367,528
48$193,600$210,410$404,010
49$203,200$239,930$443,130
50$212,800$272,278$485,078
51$222,400$307,659$530,059
52$232,000$346,291$578,291
53$241,600$388,410$630,010
54$251,200$434,267$685,467
55$260,800$484,134$744,934
56$270,400$538,299$808,699
57$280,000$597,074$877,074
58$289,600$660,792$950,392
59$299,200$729,810$1,029,010
60$308,800$804,511$1,113,311
61$318,400$885,307$1,203,707
62$328,000$972,637$1,300,637
63$337,600$1,066,974$1,404,574
64$347,200$1,168,825$1,516,025
65$356,800$1,278,732$1,635,532

What this retirement savings calculator does

This tool projects what your retirement pot could be worth at the age you plan to stop working, based on what you've already saved, what you and your employer contribute each month, and the return you expect. It then translates that pot into the annual income it could support at your chosen withdrawal rate — because a large number is abstract, while “this much a month” is a figure you can actually assess against your life.

How to use it

Enter your current age and target retirement age, then the total already saved across every retirement account you hold. Add your monthly contribution and any employer match separately, so you can see how much of the outcome the match is responsible for. Set the expected return conservatively, and leave the withdrawal rate at 4% unless you have a reason to change it.

The year-by-year table below the results is worth scrolling through. It shows how the balance separates into what you contributed and what growth added — and in most long projections, growth overtakes contributions somewhere in the middle years.

The three levers that actually matter

There are only three things you control here, and they aren't equally powerful. Time is the most powerful and the one that expires: every year you delay removes a year from the end of the projection, where compounding does its heaviest work. Contribution rate is next, and it's the lever you can move today — increasing contributions by the amount of each pay rise, before you adjust to the higher income, is the least painful way to do it. Return matters, but chasing it means taking more risk, and it's the one lever you can't reliably control.

Treat every projection here as a scenario rather than a forecast. Real markets don't deliver a smooth 7% a year, and the order in which good and bad years arrive affects outcomes as much as the average does. Run a pessimistic version alongside your main one and plan against the gap.

Use the compound interest calculator to explore the underlying growth mechanics, the net worth calculator to see where retirement savings sit in your overall position, and the monthly budget planner to find the contribution you can sustain.

Frequently asked questions

How much do I need to retire?

A common starting point is 25 times your expected annual spending, which corresponds to a 4% withdrawal rate. If you expect to spend $40,000 a year, that implies a pot of around $1,000,000. Adjust downwards for any pension or state benefit income you'll receive, since that reduces what your own savings need to cover.

What is the 4% rule?

It's the guideline that withdrawing 4% of your pot in the first year of retirement, then adjusting for inflation, has historically had a high probability of lasting 30 years. It's a planning heuristic rather than a guarantee — it depends on your asset mix, fees, retirement length and market sequence. Some planners now suggest 3.5% for longer retirements.

What return rate should I assume?

Many people model 6–8% before inflation for a diversified portfolio weighted towards equities, based on long-run historical averages. If you want a real (inflation-adjusted) projection, subtract your inflation assumption — entering 4% instead of 7% approximates a 3% inflation drag and gives you a figure in today's purchasing power.

Should I include my employer match?

Yes — it's part of what lands in your account each month, and there's a separate field for it. An employer match is an immediate return on your contribution that you can't get anywhere else, so contributing at least enough to capture the full match is almost always the highest-priority retirement action available to you.

Does this account for inflation?

Not directly. The projection is in nominal dollars. Because inflation erodes purchasing power over decades, a $1,000,000 pot in 30 years won't buy what $1,000,000 buys today. Use a lower, inflation-adjusted return rate if you want results in today's money.

What if I'm starting late?

Starting at 45 or 50 leaves less time for compounding, so contributions have to do more of the work — but the situation is far from hopeless. Increasing contributions, capturing the full employer match, delaying retirement by even two or three years, and taking advantage of any catch-up contribution allowances all move the number meaningfully.

Is this financial advice?

No. This is a projection tool for general information only, using assumptions you choose. Real returns vary year to year and sequence matters as much as average. For decisions about your own retirement, speak to a licensed financial adviser.

Related tools

Compound Interest CalculatorSee how a lump sum and monthly contributions grow over time with compounding.Net Worth CalculatorAdd up your assets and liabilities to get a clear snapshot of your net worth.