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See how much you’ll have at retirement — based on current savings, monthly contributions, expected returns, and inflation — and whether it’s enough to fund your target monthly income.
Retirement Calculator · accounts for inflation and compounding growth · 100% private
Current age, retirement age, current savings, monthly contribution, and expected annual return on investments.
The monthly income you want in retirement and the number of years you expect to be in retirement.
Projected corpus at retirement, inflation-adjusted monthly income value, and a comparison with your target income to show any shortfall or surplus.
The calculator uses the future value of an annuity formula: it compounds current savings to retirement age, adds the future value of regular monthly contributions, then compares the resulting corpus against the amount needed to sustain your target monthly income over your chosen retirement period.
This depends on how your savings are invested. Conservative (mostly fixed income): 5–6%. Moderate (balanced portfolio): 7–8%. Aggressive (predominantly equity): 9–12%. These are nominal, pre-inflation returns — the calculator accounts for inflation separately when projecting the real value of your retirement income.
A target of £2,000 per month today will need to be significantly higher in 20–30 years due to inflation. The calculator adjusts for this by showing how many present-day pounds your projected corpus will actually be worth in retirement — making the comparison between your projection and target meaningful in today’s purchasing power terms.
No. All calculations run entirely in your browser. No data is transmitted.
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Retirement planning requires thinking in decades, across variables most people find difficult to visualise: compound growth, inflation erosion, contribution persistence, and the interplay between accumulation and drawdown phases. This calculator makes those variables concrete: input your current savings, monthly contribution, expected return, and inflation rate, and see not just a corpus number at retirement but a comparison with the corpus actually needed to fund your target monthly income over your expected retirement period. The inflation adjustment is what makes the comparison honest — it shows whether your projected amount has genuine purchasing power in future terms or only looks adequate in nominal numbers.
All calculations run in your browser. No financial data is transmitted to any server.
