Retirement Savings Calculator
Estimate your retirement pot and the yearly income it could support. Works for the US, UK and Europe.
Estimated pot at retirement
Total you put in
Monthly income at a 4% yearly withdrawal
The formula
Pot = savings x (1 + r)^n + monthly deposit x ((1 + r)^n - 1) / r, with r as the annual return divided by 12 and n as the number of months. The 4% withdrawal figure is a common rule of thumb, not a guarantee.
Example: 25,000 saved plus 500 a month at 6% for 30 years grows to about 652,800, which could support roughly 2,176 a month at a 4% yearly withdrawal.
Frequently asked questions
Is the 4% rule safe?
It is a guideline from past data. Your own spending, market returns and lifespan can change what is safe.
Are returns guaranteed?
No. Real returns vary every year and can be negative.
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Last updated October 2026. For information only, not financial advice.