Retirement Savings & Contribution Calculator

Project fixed monthly saving to retirement and solve the contribution implied by a spending-based target. See future currency and today’s purchasing power separately.

Your inputs

Use consistent units and periods. Defaults are examples.

Current age (whole years)Retirement age (whole years)Must not be before current age; the model uses the whole-year difference.Annual spending in today’s currencyUse an annual amount in the stated starting purchasing power. Include only the expense scope you intend to model.Annual other income in the same purchasing powerEntered other income is available from the start and uses the same inflation index as spending; no benefit entitlement is inferred.Initial withdrawal-rate assumption (%)Your initial spending-gap / portfolio ratio. This site does not certify a safe rate.Assumed gross nominal annual return (%)An entered gross effective annual scenario, not a rate supplied or predicted by AllMarkets.Annual asset fee after growth (%)Charged on assets after annual gross growth; no separate fixed account fees.Assumed annual inflation (%)A constant model assumption, not live CPI data.Current invested capitalFixed nominal monthly contribution at month end

Your result

Check the assumptions below before relying on a result.

Formula and method

Monthly net growth=annual net growth^(1/12). Balance grows first, then the fixed contribution is added. Retirement target=today’s spending-gap target×(1+inflation)^years. Required contribution solves the same monthly annuity equation.

Worked example

With 10 years remaining,100,000 starting capital, zero return/fees/inflation and a 1,000 monthly contribution, ending capital is 220,000. A 480,000 target requires 3,166.67 per month under those same assumptions. The complete annual table reconciles contributed capital.

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How to use this result

Use one currency throughout. An annual spending input is not a monthly amount.
Read the timing, inflation and fee definitions before comparing scenarios.
Inspect the annual table and download CSV to retain the assumptions.
Use the second scenario on supported tools to vary one assumption at a time. No result proves that stopping work is prudent.

Questions about this calculation

Why are nominal and purchasing-power balances different?

The nominal amount is the future account balance. Dividing by the cumulative entered inflation factor expresses that same balance in today’s purchasing-power units.

Are monthly contributions inflation adjusted?

No. This model holds their nominal amount fixed. Raising contributions over time is a different scenario and is not silently assumed.

Does this replace my pension or Social Security calculation?

No. Other income is a user-entered assumption in today’s purchasing power. Eligibility, timing, benefit formulas and account access restrictions are outside this tool.

Continue your calculation

Compare, save and share assumptions

Scenario A uses the original inputs above. Scenario B has independent inputs below. Optional Save stores numeric inputs only in this browser. Links disclose the inputs you choose to include: use illustrative values.