Investment and retirement calculator

This calculator projects how large your retirement savings could grow by the time you retire, based on what you have already saved, how much you add each month, and the return you expect. It also estimates the yearly income that pot might provide using the widely cited 4% rule. It works for pensions, 401(k)s, ISAs, and general investment accounts.

How the projection works

Starting from your current savings, the tool adds your monthly contribution and applies compound growth every month until your chosen retirement age. It then splits the final pot into the amount you contributed and the growth earned. The "4% rule" estimate assumes you could withdraw about 4% of the pot in your first year of retirement as a sustainable income.

Getting a realistic estimate

Long-term stock market returns have historically averaged around 5–8% per year before inflation, but returns vary and are never guaranteed. Try a lower rate for a cautious view. Remember this projection is in today's contributions; you may be able to increase them over time. To plan monthly saving, use our budget calculator.

Frequently asked questions

What is the 4% rule?

It is a guideline suggesting you can withdraw about 4% of your retirement pot in the first year, then adjust for inflation, with a good chance the money lasts 30 years. It is a rule of thumb, not a guarantee.

Disclaimer: This calculator provides estimates for informational purposes only and is not financial or investment advice. Investment values can fall as well as rise. Consider speaking to a regulated financial adviser.