Retirement Savings Calculator
Estimate how much you could have at retirement, how long your money might last, and whether your current savings rate is on track. Model contributions, employer match, expected returns, inflation, retirement spending, and withdrawal assumptions.
Burrow Tip: Retirement planning is less about finding one “perfect number” and more about testing realistic scenarios: save more, retire later, spend less, or earn higher returns.
Use this calculator to compare both the accumulation phase and the withdrawal phase, not just the final balance at retirement.
Savings and retirement assumptions
Withdrawal assumptions
Scenario comparison
Burrow Tip: The most useful retirement comparison is usually not “perfect vs perfect,” but “current path vs save more” or “current path vs retire later.”
Results
Portfolio growth to retirement
Retirement balance breakdown
Retirement summary
Projection table
| Year | Age | Date | Starting balance | Contributions | Growth | Ending balance | Cumulative contributions | Real value |
|---|
Retirement timeline (Mermaid code)
If your site supports Mermaid elsewhere, you can paste this snippet into a Mermaid block. This tool does not load Mermaid.
How to use these results
Retirement planning becomes much clearer when you break it into two questions: How much can I build by retirement? and How much income can that balance safely support?
- Test saving more: increasing contributions early often matters more than trying to find a slightly higher return.
- Test retiring later: one or two extra working years can help by adding contributions and shortening retirement years to fund.
- Use real values: nominal balances can sound large, but inflation-adjusted values are usually more decision-useful.
- Focus on the income gap: retirement readiness is not just a portfolio number, but whether your spending needs are covered.
This tool is best used for long-range planning and scenario testing, not for predicting exact future market outcomes.