Retirement calculator
Grow what you have, add what you save, then sanity-check a 4% first-year withdrawal. Not a pension promise.
Defaults to your region. Switch to compare any other scale.
Project pot, withdraw 4% in year one.
Result
$569,745.47
Projected nest egg
- Year-1 withdrawal$22,790.00
- That, per month$1,899.00
Sequence risk is real
The 4% rule is a US historical heuristic, not a guarantee. Pensions, CPF/NPS annuity, and Sozialversicherung are separate.
About this tool
The retirement calculator grows a current balance with monthly contributions, then applies a simple 4% first-year withdrawal check on the projected pot. Labels mention NPS- or iDeCo-style saving contexts without claiming scheme rules.
Adjust years to retirement, expected return, and contribution size to see order-of-magnitude outcomes. Sequence-of-returns risk, fees, and taxes are not modeled in detail.
Pair with the investment and compound interest pages for contribution math without the withdrawal step. Educational only — not pension advice.
Formula
Nest egg = FV(current, monthly, return, years to retire)Year-1 income ≈ nest egg × withdrawal rate
How it is calculated
- Set current savings, monthly add, return, and years to retire.
- Grow the pot with monthly compounding.
- Multiply by the withdrawal rate for a year-one paycheck check.
- If your country, school or provider uses different rules, pick another option in the “Standard” menu at the top.
Questions
Should Indians use 4%?
Inflation and equity mix differ. Use the rate as a lever, not a law. NPS has its own annuity purchase rules at 60.
When should I change the “Standard” setting?
When the rules you work with differ from the default chosen for your language. Options on this page: US 4% rule (401k/IRA style); Germany Riester/private mix; India NPS / EPF-style; Japan iDeCo / NISA pot. The formula, steps and result update to match your choice.
Are the results official advice?
No. Calculate This is an educational tool. Before a financial or tax decision, check the figures with your bank, the tax authority or a qualified adviser.