Retirement calculator
See what your savings could grow to by retirement, and how long they would last.
- 100% free
- No sign-up
- Runs in your browser
How to use Retirement calculator
- Enter your ages
- Add your savings
- Read the estimate
You and your savings
Savings at retirement
Enter your age, your savings or monthly amount, and an expected return.
Next: Compound interest calculator · Inflation calculator · Salary calculator
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How to use Retirement calculator
Enter your ages
Type your age now and the age you plan to retire.
Add your savings
Enter what you’ve saved, what you add each month and an expected yearly return. Set inflation and a yearly rise in contributions if you like.
Read the estimate
See your savings at retirement, the same sum in today’s money, the income the 4% rule gives and how long your planned spending would last.
Why use Utils365
In today’s money
A big number decades away means less after inflation. Each figure is also shown in today’s money so you can judge it.
How long it lasts
Enter a yearly spending amount and see the age your savings would run out at, with spending rising with inflation.
Rising contributions
Raise your monthly amount a little each year, as pay rises, and see the difference it makes.
Private and free
Your figures stay in your browser. No sign-up, no adviser, no sales call.
Frequently asked questions
How much do I need to retire?
A common guide is the 4% rule: you can spend about 4% of your savings in the first year and raise it with inflation. To spend 40,000 a year you’d need about 1,000,000, or 25 times your yearly spending.
What is the 4% rule?
A rule of thumb from US studies of past markets: withdrawing 4% in the first year, then the same amount raised with inflation, lasted at least 30 years in most periods. It’s a guide, not a promise.
What return should I expect?
Over the long run, a mix of shares and bonds has returned roughly 5% to 7% a year before inflation, but some years lose money. Try a few rates, such as 4%, 6% and 8%, to see a range.
Why show the result in today’s money?
Because prices rise. At 2.5% inflation, 1,000,000 in 30 years buys what about 477,000 buys today.
How much does starting early help?
A lot. 300 a month at 6% from age 25 grows to about 650,000 by 67; starting at 45 it grows to about 160,000, even though you pay in half as long.
Does it include pensions, tax or fees?
No. Add any pension pot to your savings, and remember tax and fund fees lower the real result. It’s an estimate, not financial advice.