Set your timeline and current savings
Enter your age, planned retirement age, life expectancy, existing retirement savings, and monthly contribution.
FREE ONLINE RETIREMENT CALCULATOR
Retirement Calculator
Project how much you could have at retirement, estimate the savings target behind your spending assumptions, and see the monthly contribution needed to close the gap.
Transparent assumptionsNo sign-upRuns in your browser
Year-by-year projection
Savings use monthly compounding before retirement; withdrawals are modeled annually during retirement.
| Age | Phase | Starting balance | Contributions | Withdrawals | Ending balance |
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HOW TO USE
How to Use Motricialy Retirement Calculator
Describe retirement spending and assumptions
Use today's money for spending and other retirement income, then adjust return and inflation assumptions.
Compare the projection with the target
Review the estimated balance, funding gap, monthly contribution needed, and year-by-year projection.
KEY FEATURES
Key Features of Motricialy Retirement Calculator
Projected retirement balance
Estimate how current savings and monthly contributions may grow before your chosen retirement age.
Spending-based retirement target
Translate monthly retirement spending into an estimated target that accounts for inflation and post-retirement growth.
Funding gap or surplus
Compare your projected balance with the deterministic target using the same assumptions.
Required monthly contribution
Estimate the monthly saving level that would reach the modeled retirement target.
Year-by-year projection
Inspect saving and retirement phases instead of relying on a single headline number.
CSV export and local processing
Download the projection for further analysis without creating an account or uploading your inputs.
PLANNING GUIDE
What this retirement estimate does — and does not — model
This calculator uses fixed annual return and inflation assumptions to create a transparent deterministic projection. It inflates both your stated retirement spending and other retirement income into retirement-year dollars, then estimates the starting balance required to fund the remaining spending through your selected life expectancy.
Before retirementCurrent savings and monthly contributions compound monthly at the selected pre-retirement return.
During retirementThe model withdraws the estimated annual need at the start of each retirement year, then applies the selected return.
Not a guaranteeReal returns, inflation, taxes, fees, healthcare costs, and income can vary. The result is a planning estimate, not financial advice.
FAQ
Retirement Calculator questions
How much money do I need to retire?
There is no single amount that fits everyone. This calculator estimates a target from your chosen retirement spending, other retirement income, life expectancy, inflation, and post-retirement return assumptions.
Why does the calculator ask for spending in today's money?
Thinking in today's purchasing power is often easier. The calculator inflates both spending and other retirement income from today to your planned retirement age before calculating the target.
What return should I enter?
Use an assumption you understand and can stress-test rather than treating any default as a promise. The calculator accepts separate pre-retirement and post-retirement returns so you can model a more conservative retirement phase if desired.
Does this calculator include Social Security, pensions, or other income?
You can include steady retirement income in the “Other monthly retirement income” field. Enter it in today's money so it is adjusted with the same inflation assumption as retirement spending.
Does this use Monte Carlo simulation?
No. V1 is intentionally deterministic: it uses fixed return and inflation assumptions so every result can be traced back to the inputs. A probabilistic Monte Carlo mode would be a separate advanced feature.
Is this financial advice?
No. It is an educational planning calculator. It does not model every tax, fee, account rule, market sequence, or personal circumstance, and the projection is not a guarantee.