Retirement Income Calc

Will your savings last? Find out in seconds.

Retirement Calculator turns the hardest money questions of your life into clear, instant answers. Enter a few numbers and see how your savings grow, how much income you can safely withdraw, and what estate you'll leave behind — every figure shown in today's dollars, all calculated privately on your device.

No accounts. No uploads. No spreadsheets. Just answers.

What you can do

• Savings Growth — Project how your nest egg grows from today to retirement based on contributions and expected returns.

• Retirement Income — Find the sustainable annual income your savings can support over your lifetime, with the option to leave a target estate behind.

• Estate Value — See how much you'll leave to your heirs based on your savings and spending.

• Monte Carlo Simulation — Stress-test your plan against thousands of realistic market scenarios. See the typical (median) outcome, a downside (10th-percentile) outcome, and the probability your money runs out — with an adjustable volatility control to model anything from a steady to a swing-prone portfolio.

• Growth Rate Calculator — Work out the annual return between any two values over time.

Every number, inflation-adjusted

See both the headline figure and its inflation-adjusted value side by side — for income, savings, and estate — so you know what your money is really worth in the future, not just on paper.

Built for real decisions

• Interactive charts and year-by-year tables
• Adjust current age, retirement age, life expectancy, growth, volatility, and inflation
• Fast, clean, and easy — no finance degree required

Private by design

All calculations run entirely on your phone. Your financial details never leave your device and are never sent to a server.

Whether you're decades from retirement or planning the next chapter today, Retirement Calculator helps you answer the only question that matters: Will I have enough?

Download free and start planning your future.