Retirement Calculator

Plan your retirement with SmartFinCalc’s free calculator. Estimate how much you need to save, when you can retire, and how long your savings will last.

Plan for a Comfortable Retirement

Use our free retirement calculator to estimate how much you’ll need to retire based on your income, savings, retirement age, and expected expenses. Factor in inflation, social security, and investment returns to create a realistic retirement strategy.

Frequently Asked Questions

How much do I need to retire?

It depends on your desired retirement lifestyle, expected expenses, and retirement age. A common rule is to save 25x your annual expenses.

How does this calculator work?

You input your income, savings, retirement age, expected expenses, and it projects your future savings, adjusted for inflation and growth rate.

Does it include Social Security or pension?

You can optionally include estimated monthly Social Security or pension income in the retirement income section.

What is a safe withdrawal rate?

A common guideline is the 4% rule, which suggests withdrawing 4% of your savings per year in retirement to make your money last.