Free Online Retirement Fund Calculator

"When can I actually retire?" If you've ever asked yourself this question, running the numbers is the only honest answer. This retirement fund calculator projects your retirement readiness based on your current savings rate, expected returns, and desired lifestyle.

Key Features

Retirement Age Projection

Enter your current age, total assets, and monthly savings to see projected assets at retirement, total funds needed, and any surplus or shortfall.

Asset Trajectory Visualization

See how your wealth grows pre-retirement and how it draws down post-retirement. The fund depletion point is clearly visible.

Key Variable Simulation

Adjust return rates (3-10%), inflation, and social security freely. All results recalculate instantly.

Reverse Calculation

Find out how much you need to save monthly to reach your target retirement age.

How to Use

Step 1: Enter Basic Info

Set your current age, target retirement age, and life expectancy.

Step 2: Enter Financial Info

Fill in current assets, monthly savings, return rate, and inflation rate. Start with defaults (5% return, 2.5% inflation) if unsure.

Step 3: Set Post-Retirement Plan

Enter monthly expenses and social security info. Results update automatically.

Tips

Be Conservative

Set returns low (3-5%), inflation high (3%), and lifespan generously (90+). An optimistic plan that falls short is worse than a conservative one with a cushion.

Pair with the Life Expectancy Calculator

Use the Life Expectancy Calculator to get a more realistic lifespan assumption.

FAQ

What return rate should I use?

Conservative: 3-4% (bonds/savings). Moderate: 5-6% (balanced portfolio). Aggressive: 7-8% (mostly equities). Test multiple scenarios.

Should I include my home value?

Exclude your primary residence unless you plan to sell. Only include assets that can realistically fund retirement.

Can I use this on mobile?

Yes, it's fully responsive and works on smartphone and tablet browsers.