Financial Calculators

Retirement Calculator

Project the balance you will have at retirement, restate it in today's dollars, and check it against the income you want to draw.

years
years
$
$
%
%
$
Projected nest egg
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How to use the Retirement Calculator

  1. Fill in each field with your own figures — the defaults are only there as an example.
  2. The result updates as you type, so there is no button to press.
  3. Check the breakdown under the main result for the supporting numbers.
  4. Use the copy button to take the result with you, or share the link to reload the same inputs.

Retirement Calculator — frequently asked questions

How much do I need to retire?

A widely used starting point is 25 times your desired annual spending, which pairs with a 4% initial withdrawal rate. Your own number depends on pensions, Social Security, health costs and how long the money must last.

What return should I assume?

Long-run US equity returns have averaged roughly 10% nominal before inflation, but a diversified portfolio drawn down in retirement is usually modelled at 5–7% to leave a margin of safety.

Is this retirement calculator free to use?

Yes. Every calculator on the site is free, needs no sign-up, and runs entirely in your browser, so your figures never leave your device.

How accurate is the result?

The maths is exact for the formula shown on the page. Accuracy in the real world depends on your inputs and on assumptions the formula cannot see, so treat the output as a well-grounded estimate rather than a quote.

Can I use it on my phone?

Yes. The page is responsive, weighs a few kilobytes and works offline once loaded, so it behaves the same on a phone as on a desktop.

Related reading

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About this calculator

Written and reviewed by The Samsung Calculator editorial team. Every calculator is written against a published formula, reviewed against at least one independent reference implementation, and dated when it changes.

Last reviewed August 13, 2026 · Calculation runs client-side · No data collected · Report an error