Retirement Savings Calculator
Enter your age, the age you want to retire, what you have saved and what you add each month. The calculator projects your pot at retirement and a sustainable yearly income.
Retirement Savings
Your pot at retirement and yearly income
Pot at retirement476,645
Of which contributions173,600
Yearly income at 4% withdrawal19,066
How it works
- Growth is compounded monthly at your expected yearly return.
- The 4% rule: withdrawing 4% a year has historically lasted about 30 years.
- Starting 10 years earlier can nearly double the final pot.
- Results are before tax and inflation — they are projections, not guarantees.
Worked example: age 35, 20,000 saved, 400 a month, 5%
- 132 years = 384 months.
- 2Existing savings grow to ≈ 98,000.
- 3Contributions grow to ≈ 386,000.
≈ 484,000 pot — about 19,400 a year at 4%
Pot at 67 with 400 a month at 5% (no starting savings)
| Start age | Years | Pot |
|---|---|---|
| 25 | 42 | ≈ 677,000 |
| 35 | 32 | ≈ 386,000 |
| 45 | 22 | ≈ 193,000 |
| 55 | 12 | ≈ 79,000 |
Frequently asked questions
How much do I need to retire?
A common rule of thumb is 25 times your desired yearly spending, which matches the 4% withdrawal rule.
What return should I assume?
4–6% a year is a moderate long-term assumption for a mixed portfolio; use lower figures to be cautious.
Does this include state pension?
No. Add any state or workplace pension to the yearly income figure separately.
Use it without ads
QuickCalc Pro is a one-time $4.99 payment: no ads anywhere, and you can save any calculation and open it again on any device.
30-day money-back guarantee · Secure checkout by Paddle
Related calculators
Salary to Hourly Wage CalculatorConvert an annual or monthly salary into an hourly wage. Enter your salary, weekly hours and holiday weeks for an instant, accurate hourly rate.Hourly to Salary CalculatorSee what an hourly wage works out to per week, month and year. Free hourly to salary calculator with adjustable hours and weeks off.VAT Calculator — Add or Remove VATFree VAT calculator: add VAT to a net price or strip VAT out of a gross price at any rate. Shows net, VAT amount and gross instantly.Tip Calculator — Split the Bill and the TipFree tip calculator: pick 10–20%, see the tip amount and total, and split it evenly between any number of people. Works on any phone.Discount Calculator — Price After Percent OffWork out the sale price and how much you save. Free discount calculator for any percent off, with the amount saved shown instantly.Currency Converter — Live Exchange RatesConvert between euro, dollar, pound, yen and more with live exchange rates. Free currency converter, no sign-up needed.
See all 32 calculators