Retirement Calculator

Estimate retirement savings from current balance, contributions, and expected returns. Adjust the assumptions, review the output, and use the recommendations below to compare products or plan the next step.

Current savings$Monthly contribution$Expected annual return6%Years until retirement25

Your result

At 6.0% annual growth, the investment could reach $958,567.

Future value$958,567

Total contributed$345,000

Interest earned$613,567

Time horizon25 years

Future value sources

Contributions345,000

Growth613,567

Save & share this resultGet a permanent URL anyone can open.

Based on your results, ProductsVerdict recommends

Best business toolsBudgeting, banking, and accounting picks.

See picks

Business funding finderMatch loan, bank, or card to your stage.

See picks

AI ROI calculatorMeasure savings from AI automation.

See picks

Some recommendation links are affiliate links. ProductsVerdict may earn a commission at no extra cost to you.

Ask ProductsVerdict AI about this result

Get a plain-English explanation, what to improve, and which tools could help.

Compare finance toolsBrowse calculators and shortlists for budgeting, investing, banking, business funding, and tax software.ProductsVerdict may earn a commission through partner links.See picks

Share your results

"At 6.0% annual growth, the investment could reach $958,567." — share with someone choosing software.

How this calculator works

We grow your current savings and ongoing contributions at an assumed real rate of return until your target retirement age, then check it against a sustainable withdrawal rate.

Formula transparency

Income ≈ 0.04 × (current(1+r)^t + C · ((1+r)^t − 1)/r)

Nest egg = current · (1 + r)^t + annual_contribution · ((1 + r)^t − 1) / r. Sustainable annual income ≈ nest egg × 0.04 (4% rule).

FAQ

How accurate is the Retirement Calculator?

The Retirement Calculator is a planning tool. It uses your inputs and standard formulas, but final decisions should include taxes, fees, vendor pricing, and professional advice where relevant.

Can I share or embed this calculator?

Yes. Use the share button or embed code on the page to reference the tool from an article, client report, or website.

What should I do after using this calculator?

Compare the estimate against real products, pricing pages, and your own historical data before choosing a vendor or budget.

Related free tools

FinanceROI CalculatorCalculate return on investment from gain and cost.FinanceCompound Interest CalculatorEstimate future value with recurring contributions and compound growth.FinanceInvestment Return CalculatorCalculate ending balance, profit, and annualized return.FinanceMortgage CalculatorEstimate monthly mortgage payments from home price, down payment, rate, and term.

Embed program

Embed the Retirement Calculator on your site

Drop a single iframe into any blog post, landing page, or client report — your readers get the full calculator with live updates. Free to use with attribution.

How embeds work Embed Program & API

Embed this calculator on your websiteGet code

Drop this iframe into any HTML, WordPress, Webflow or Framer page. Free to use — please keep the link back to ProductsVerdict.

<iframe src="https://www.productsverdict.com/embed/tools/retirement-calculator" width="100%" height="720" style="border:0;border-radius:12px;max-width:100%;" loading="lazy" title="ProductsVerdict calculator"></iframe>

Know someone running the same numbers? Send them this calculator.