Financial calculators
Retirement Calculators
Retirement pots, contribution levels and sustainable withdrawal income.
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Retirement Calculator
Enter your age, what you have saved and what you add each month. The projection uses a single average return, so treat the output as a planning range rather than a forecast.
Understanding retirement maths
Retirement planning has two halves: building a balance, then converting that balance into income that lasts. These calculators model both, so you can see the pot your current contributions are heading towards and the annual income it could reasonably support.
Projections this far out are sensitive to assumptions. Run an optimistic and a conservative return, and treat the distance between the two results as the honest answer.
All retirement calculators
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Retirement Calculators
401(k) Calculator
Workplace plan balance including employer contributions.
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Retirement Calculators
IRA Calculator
Traditional IRA balance at retirement.
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Retirement Calculators
Roth IRA Calculator
Roth IRA balance from after-tax contributions.
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Retirement Calculators
Retirement Savings Calculator
Combined retirement savings projection.
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Retirement Calculators
Social Security Benefit Calculator
Estimated benefit and the effect of claiming age.
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Retirement Calculators
Required Minimum Distribution Calculator
Minimum withdrawal required from a retirement account.
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Retirement Calculators
Retirement Income Calculator
Sustainable income and how long the pot lasts.
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Retirement Calculators
FIRE Calculator
Your FIRE number and years to reach it.
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Retirement Calculators
Coast FIRE Calculator
The balance that reaches your target with no further saving.
Retirement guides
- loan-calculatorsHow Loan Calculators Work — And What They Leave OutThe amortisation formula behind repayment calculators, and the costs most tools exclude.
- interest-ratesHow Lenders Set Interest Rates on Consumer LoansFunding costs, risk pricing, and margin — the three inputs behind an advertised rate.
Frequently asked questions
What withdrawal rate is sustainable?
Around 4% of the starting balance, adjusted for inflation, is the common planning benchmark. It is a rule of thumb from historical market data, not a guarantee, and a longer retirement argues for a lower rate.
Should employer contributions be included?
Yes. Add them to your monthly contribution figure — matched contributions are part of what is actually invested each month.
How does inflation change the picture?
A pot that looks large in future dollars buys less than the same figure today. Model a real return, roughly the nominal return minus expected inflation, to see purchasing power.
Does the calculator account for state pensions or tax?
No. Government pensions, tax treatment and drawdown rules vary by country and by account type, and all of them change the income you keep.
Other calculator categories
- Mortgage CalculatorsPayments, amortisation, deposits and the running cost of owning a home.
- Loan CalculatorsRepayments, interest and payoff timing on personal and instalment lending.
- Investment CalculatorsProjected returns, contributions and long-run portfolio growth.
- Interest CalculatorsSimple and compound interest, effective rates and how balances grow.
- Tax & Income CalculatorsTake-home pay, salary conversions and estimated tax positions.
- Credit & Debt CalculatorsCard payoff timelines, consolidation maths and debt reduction strategies.
- Auto Loan CalculatorsVehicle finance payments, deposits, trade-ins and total cost of ownership.
- Insurance CalculatorsCover levels, premiums, deductibles and what a claim really costs.
- Business CalculatorsMargins, break-even points, cash flow and subscription metrics.
- Savings CalculatorsSavings goals, emergency funds and the effect of regular deposits.
Disclaimer
These calculators produce estimates for information and comparison only. Actual figures depend on the provider, fees, taxes, credit assessment and terms that apply to you. Legamoney does not provide financial advice.