Years investing
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Retirement Calculator
When can you retire? How much do you need? This calculator projects your retirement savings, monthly income, and tells you if you're ahead or behind schedule.
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Projected retirement balance
Total contributed
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Interest earned
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Monthly in retirement
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Status
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Retirement math simplified
We use the standard compound future-value formula for monthly contributions, then apply the 4% rule to estimate safe annual withdrawal during retirement. The 4% rule says you can withdraw 4% of your nest egg each year and adjust for inflation, with a 95% chance the money lasts 30+ years. Social Security (if you're in the US) would supplement this — we don't include it here.
Last updated
This is a simplified estimate. Actual results depend on market returns, inflation, taxes, fees, Social Security, and personal expenses. Consult a financial advisor.
How to verify this calculator
- Last verified
- — the calculation logic and the automated regression suite were re-run on this date. Fee and rate fields are editable estimates; confirm current values against the official schedule before relying on them.
- Official / methodology source
- No platform fee schedule applies to this calculator. Its formula is documented in the project source and exercised by the regression suite linked below.
- Method & testing
- All arithmetic runs locally in your browser — no input is uploaded. Calculation behaviour is exercised by the repository's regression suite: 39/39 checks passed (run 2026-11-08). Source & tests on GitHub.
- Maintained by
- Jim (Maoming, Guangdong, China) · eyetoolkit. Report a wrong result through the contact page.
- Changelog
- 2026-11-08 — Added this verification panel (last verified date, official or methodology source, test coverage, named maintainer, changelog). Calculator logic and default rates are unchanged.