Retirement Income Calc

Know exactly how much you can spend in retirement — and how much you'll leave behind. Free, private, and works entirely on your device.

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 Balance — 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.