Retirement Calculator
To plan retirement, enter your age, retirement age, savings, monthly contribution, expected returns, inflation and the monthly income you want in today's money. ClickZM calculates the savings needed to fund that inflation-linked income and how much more to save each month if there is a gap.
Results are estimates for planning, not financial or tax advice. How we source rates
- Free
- No signup
- Runs in your browser
How to use Retirement Calculator
- 1Enter your values in the fields; defaults show a worked example.
- 2Pick the units or options that apply to you.
- 3Read the result, which updates instantly as you type.
- 4Check the formula note under the result to see exactly how it was worked out.
Retirement Calculator: questions people ask
How much do I need to retire?
It depends on spending. A common rule is 25 times your yearly spending (the 4% rule); this calculator works it out from your own assumptions.
Are pensions and social security included?
No. Subtract expected pension income from the monthly income you enter.
Is my data uploaded when I use the Retirement Calculator?
No. The Retirement Calculator runs entirely in your web browser, so your text and numbers stay on your device and work even on a slow connection.
Does the Retirement Calculator work on iPhone, Android and Mac?
Yes. The Retirement Calculator runs in any modern browser (Safari, Chrome, Edge or Firefox) on iPhone, iPad, Android phones, Mac, Windows and Chromebook. There is no app to install.
Is the Retirement Calculator free?
Yes. The Retirement Calculator is free with no signup, no watermark and no daily limit.