Retirement Calculator
Project your retirement savings and inflation-adjusted value, and estimate safe retirement income. Add employer match, salary growth, and automatic annual contribution increases.
Retirement Inputs
Current Age
Retirement Age
Current Savings
Monthly Contribution
/ month
Annual Return (nominal)
%
Inflation Rate
%
Annual Contribution Increase
% per year
Employer Match (optional)
Salary
% match
% of salary
Example: employer matches 100% up to 4% of salary. Enter “Match % = 4” and “Match limit % = 4–5”.
How This Retirement Calculator Works
We compound savings monthly using your nominal annual return. Contributions can automatically increase each year (use the “Annual Contribution Increase” input). Employer match is calculated as “match % × salary,” capped by your “match limit %” of salary. Finally, we discount the projected nest egg by your inflation rate to show value in today’s dollars. For a quick income estimate, we apply the 4% rule (divide by 25) and also show the monthly equivalent.