calculate retirement savings needs
401k calculation tool
retirement corpus estimator
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Retirement Calc
Will you have enough to retire? Estimate your retirement corpus and verify if you're on track.
Last Updated: March 1, 2025
# What is Retirement Calc?
A Retirement Calculator projects your future savings based on current contributions and expected returns to determine if you can meet your desired retirement income.
# How Does Retirement Calc Work?
- 1Enter your Current Age and Retirement Age.
- 2Input Current Savings and Monthly Contributions.
- 3Set Expected Return and Inflation rates.
- 4View your corpus at retirement and how long it lasts.
# Formula Used
`Retirement Corpus = Future Value of Current Savings + Future Value of Contributions - Withdrawals`# Common Use Cases
Financial freedom planning (FIRE).
Adjusting 401k/IRA contributions.
Stress testing your retirement plan.
# Why Use This Tool?
Gap Analysis: Shows if you are short of your goal.
Longevity Risk: checks if money lasts until age 90+.
Inflation Adjusted: Plans for real purchasing power.
Trusted & Secure
• Calculations are performed entirely in your browser.
• No signup, no data storage, no tracking.
• Formulas based on standard financial principles.
# Frequently Asked Questions
How much should I save?▼
A common rule of thumb is to save 15% of your gross income, but this varies by age and goals.
What is a 'safe withdrawal rate'?▼
The 4% rule suggests you can withdraw 4% of your portfolio annually without running out of money for 30 years.
Does this include government pensions?▼
This calculator focuses on your personal savings. You should estimate government pensions (like Social Security) separately and add them to your monthly income.
Last updated: March 2025 • v2.1.0 • Secure Client-Side Processing