Retirement Calculator

Hint: This symbol ^ indicates that more information is available
just use your mouse to hover over it and the information will appear.
See the bottom of the page for details of results.

Current retirement savings:^

Amount saved upon
retirement:^

130,312

Your age now:^

Monthly cash needed at
retirement after inflation:^

2,498

Age to retire at:^

Years of retirement provided:

4

Monthly contribution:^

Savings lasts until age:

69

Annual contribution increase:^

%

Rate of return before retirement:^

%

This is a tool whose primary purpose is to tell you how long your money will last in retirement given information about your current savings practice.

Rate of return after retirement:^

%

Annual inflation rate:^

%

Retirement monthly withdrawal:^

To use this spreadsheet, change any of the blue fields in the yellow box on the left. The results are shown in the green box on the right. The "Accumulation" and "Depletion" sheets show the detail of how your savings grow and shrink. More information below…

Already retired? This is a great tool even if you are past the point of accumulating savings for retirement. It can tell you how long your current savings will last. To use the tool to see how long your savings will last, set "Your age now" age and "Age to retire at" to your present age, and put zeros into the following fields:

Monthly contribution

Annual contribution increase

Rate of return before retirement


 Age Beginning Balance Annual Contributions Annual Earnings Ending Balance Monthly Retirement^

56 0 8,400 0 8,400 2,000
57 8,400 8,820 420 17,640 2,050
58 17,640 9,261 882 27,783 2,101
59 27,783 9,724 1,389 38,896 2,154
60 38,896 10,210 1,945 51,051 2,208
61 51,051 10,721 2,553 64,325 2,263
62 64,325 11,257 3,216 78,798 2,319
63 78,798 11,820 3,940 94,557 2,377
64 94,557 12,411 4,728 111,696 2,437
65 111,696 13,031 5,585 130,312 2,498

 Age Beginning Balance Annual Withdrawal Annual Earnings^ Ending Balance

66 130,312 29,973 6,516 106,854
67 106,854 30,722 5,343 81,475
68 81,475 31,490 4,074 54,059
69 54,059 32,277 2,703 24,484
70 24,484 33,084 1,224 (-7,376)

Note: Charges are not included in the calculations.
This calculator is designed as a guide only.
Contact us for exact information.