💰 Retirement Calculator

Estimate your retirement savings growth with compound interest. ⚠️ Educational only — consult a financial advisor.

📊 Current Situation

💸 Contributions

📈 Growth & Timeline

⚙️ Withdrawal Strategy
Retirement Withdrawals
💡 The "4% rule" suggests withdrawing 4% annually in retirement
📚 How the Math Works
Future Value Formula:
FV = P × (1+r)^n + C × [((1+r)^n − 1) / r]
Where:
P = Current savings
C = Monthly contribution
r = Monthly interest rate (annual rate / 12)
n = Number of months until retirement
Includes annual contribution increases
⚠️ Educational only — consult a financial advisor for real planning.