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.
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