Planning
Retirement calculator
See the nest egg you're on track to build, what it's worth in today's money, and whether it lasts through retirement at your desired spending.
The numbers here are examples. Interest rates, tax bands and every result are sample starting points or values you type in yourself. Nothing is pulled from a live rate feed or a bank, and the results are estimates only. Always check real figures with your bank, lender or a qualified adviser before making a decision.
Where you stand
Projection
Nest egg at retirement
$720,331 in today's money
First-year withdrawal
$124,237
Years saving
33
Balance over time — nominal vs. today's money
Retirement calculator
Nest egg at retirement
$1,627,121
- In today's money
- $720,331
- First-year withdrawal
- $124,237
- Outlook
- Runs out at 82
How the answer is worked out
Accumulation: until the retirement age, the balance compounds monthly at the expected return and your monthly contribution is added.
Drawdown: from retirement onward, each year you withdraw the target spending — grown from today by inflation — then the remaining balance earns the expected return:
balance = (balance − withdrawal) × (1 + return)
Real figures divide the nominal balance by (1 + inflation) raised to the number of years from today. If the balance reaches zero before your planning age, that age is reported as a shortfall.
Frequently asked questions
The nominal balance discounted by inflation back to the present, so you can judge its real purchasing power rather than a large future number.