See roughly where your retirement savings are heading and whether they will cover the life you want. Enter your age, what you have saved, what you add each month, and your assumptions about returns, inflation and spending. Everything here is an estimate built on assumptions you choose — not a guarantee.
A deterministic projection, not advice. It ignores taxes, fees, state pensions and the ups and downs of real returns.
Retirement planning comes down to two numbers: the pot you are on track to build, and the pot you will need to pay for the years after you stop working. This tool estimates both, and shows the gap between them so you can act while there is time.
A simple check. With 10,000 saved, 100 a month for 10 years and a 0% return, you would have put in 22,000 — the contributions alone, with no growth. Turn the return up and the growth does the rest.
Small changes in the return and inflation you assume make a big difference over decades. Use the scenario buttons to see a careful and an optimistic view, and remember the truth is usually somewhere in between — and never a straight line. To focus just on growing a monthly amount, see the SIP Calculator.
Your current savings grow at the return you assume, and each monthly contribution grows from when it is added until you retire. The yearly return is converted to an effective monthly rate, the same method as the SIP calculator.
Money buys less over time. The spending you enter is in today's money, so it is grown by your inflation assumption to estimate what the same lifestyle costs in the year you retire.
The calculator adds up each retirement year's spending, growing it with inflation and discounting it by the return you expect during retirement. That gives the pot needed at retirement to fund all those years.
It is the difference between the pot you are projected to have and the pot you are estimated to need. A surplus means you are ahead; a shortfall means you may need to save more, retire later, or spend less.
It is a planning estimate, not advice. Real returns, inflation, taxes, fees and state pensions all vary and are uncertain. Use it to see how the levers interact, and revisit it as things change.
A calculator gives you one answer. A cashbook shows you the whole picture: write down cash in and cash out, see where the money goes in charts and on a calendar, and share a ledger with your family, team or friends.
This takes a few seconds.
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