.retirement-calculator-wrapper {
font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
max-width: 800px;
margin: 0 auto;
padding: 20px;
background: #fff;
color: #333;
}
.calc-container {
background: #f8f9fa;
border: 1px solid #e9ecef;
border-radius: 8px;
padding: 30px;
box-shadow: 0 4px 6px rgba(0,0,0,0.05);
margin-bottom: 40px;
}
.calc-title {
text-align: center;
margin-bottom: 25px;
color: #2c3e50;
font-size: 24px;
font-weight: 700;
}
.input-grid {
display: grid;
grid-template-columns: 1fr 1fr;
gap: 20px;
}
@media (max-width: 600px) {
.input-grid {
grid-template-columns: 1fr;
}
}
.input-group {
margin-bottom: 15px;
}
.input-group label {
display: block;
margin-bottom: 8px;
font-weight: 600;
font-size: 14px;
color: #495057;
}
.input-group input {
width: 100%;
padding: 12px;
border: 1px solid #ced4da;
border-radius: 4px;
font-size: 16px;
transition: border-color 0.15s ease-in-out;
box-sizing: border-box;
}
.input-group input:focus {
border-color: #4CAF50;
outline: none;
box-shadow: 0 0 0 3px rgba(76, 175, 80, 0.1);
}
.input-hint {
font-size: 12px;
color: #6c757d;
margin-top: 4px;
}
.calc-btn {
width: 100%;
background-color: #2e7d32;
color: white;
padding: 15px;
border: none;
border-radius: 4px;
font-size: 18px;
font-weight: 600;
cursor: pointer;
transition: background-color 0.2s;
margin-top: 10px;
}
.calc-btn:hover {
background-color: #1b5e20;
}
.results-section {
margin-top: 30px;
padding-top: 20px;
border-top: 2px solid #e9ecef;
display: none;
}
.result-card {
background: #fff;
padding: 20px;
border-radius: 6px;
border-left: 5px solid #2e7d32;
margin-bottom: 15px;
box-shadow: 0 2px 4px rgba(0,0,0,0.05);
}
.result-label {
font-size: 14px;
color: #6c757d;
text-transform: uppercase;
letter-spacing: 0.5px;
}
.result-value {
font-size: 32px;
font-weight: 700;
color: #2e7d32;
margin: 5px 0;
}
.result-sub {
font-size: 14px;
color: #555;
}
.content-section {
line-height: 1.6;
margin-top: 40px;
}
.content-section h2 {
font-size: 24px;
color: #2c3e50;
margin-top: 30px;
margin-bottom: 15px;
border-bottom: 2px solid #eee;
padding-bottom: 10px;
}
.content-section p {
margin-bottom: 15px;
}
.content-section ul {
margin-bottom: 20px;
padding-left: 20px;
}
.content-section li {
margin-bottom: 10px;
}
.error-msg {
color: #dc3545;
text-align: center;
margin-top: 10px;
display: none;
}
function calculateRetirement() {
// Get Input Values
var currentAge = parseFloat(document.getElementById('currentAge').value);
var retireAge = parseFloat(document.getElementById('retireAge').value);
var currentSavings = parseFloat(document.getElementById('currentSavings').value);
var monthlyContribution = parseFloat(document.getElementById('monthlyContribution').value);
var returnRate = parseFloat(document.getElementById('returnRate').value);
// Validation
var errorDiv = document.getElementById('errorDisplay');
var resultsDiv = document.getElementById('resultsArea');
if (isNaN(currentAge) || isNaN(retireAge) || isNaN(currentSavings) || isNaN(monthlyContribution) || isNaN(returnRate)) {
errorDiv.style.display = 'block';
resultsDiv.style.display = 'none';
return;
}
if (retireAge <= currentAge) {
errorDiv.innerText = "Retirement age must be greater than current age.";
errorDiv.style.display = 'block';
resultsDiv.style.display = 'none';
return;
}
// Hide error if validation passes
errorDiv.style.display = 'none';
resultsDiv.style.display = 'block';
// Calculation Logic
var yearsToGrow = retireAge – currentAge;
var months = yearsToGrow * 12;
var monthlyRate = (returnRate / 100) / 12;
var futureValue = 0;
var totalContributed = currentSavings + (monthlyContribution * months);
// Formula: FV = P * (1 + r)^n + PMT * [ ((1 + r)^n – 1) / r ]
// Where P = Principal, PMT = Monthly Contribution, r = Monthly Rate, n = Total Months
if (returnRate === 0) {
futureValue = currentSavings + (monthlyContribution * months);
} else {
var compoundInterestFactor = Math.pow(1 + monthlyRate, months);
var principalGrowth = currentSavings * compoundInterestFactor;
var contributionGrowth = monthlyContribution * ((compoundInterestFactor – 1) / monthlyRate);
futureValue = principalGrowth + contributionGrowth;
}
var totalInterest = futureValue – totalContributed;
// 4% Rule Calculation (Annual / 12)
var safeMonthlyWithdrawal = (futureValue * 0.04) / 12;
// Formatting Output
var formatter = new Intl.NumberFormat('en-US', {
style: 'currency',
currency: 'USD',
minimumFractionDigits: 0,
maximumFractionDigits: 0,
});
document.getElementById('totalBalance').innerText = formatter.format(futureValue);
document.getElementById('totalContributions').innerText = formatter.format(totalContributed);
document.getElementById('totalInterest').innerText = formatter.format(totalInterest);
document.getElementById('monthlyIncome').innerText = formatter.format(safeMonthlyWithdrawal);
document.getElementById('displayRetireAge').innerText = retireAge;
}
Retirement Savings Calculator
Amount you save every month
Average stock market return is ~7-10%
Please fill in all fields with valid numbers. Retirement age must be greater than current age.
Total at Retirement
$0
Total savings accumulated by age
Total Contributions
$0
Amount you deposited directly
Total Interest Earned
$0
Growth from compound interest
Estimated Monthly Income
$0
Based on a 4% safe withdrawal rate
How to Plan for Retirement
Planning for retirement is one of the most critical financial goals you will undertake. The earlier you start, the more you can benefit from the power of compound interest. This Retirement Savings Calculator helps you visualize your financial future by projecting how your current savings and monthly contributions will grow over time.
Understanding the Inputs
- Current Age & Retirement Age: These determine the "time horizon" of your investment. The longer the time horizon, the more time your money has to grow exponentially.
- Current Savings: The starting principal of your nest egg. Even a small starting amount can grow significantly over 30+ years.
- Monthly Contribution: Consistency is key. Adding a fixed amount to your investment portfolio every month smooths out market volatility (dollar-cost averaging) and builds wealth.
- Expected Annual Return: This is the interest rate at which your money grows. While the stock market fluctuates, the S&P 500 has historically returned about 10% annually before inflation. conservative estimates often use 6-8%.
The 4% Rule Explained
Our calculator includes an "Estimated Monthly Income" metric based on the famous 4% Rule. This rule suggests that you can withdraw 4% of your total retirement portfolio in the first year of retirement (and adjust for inflation thereafter) without running out of money for at least 30 years. For example, if you retire with $1,000,000, the rule suggests a safe annual withdrawal of $40,000, or roughly $3,333 per month.
Why Compound Interest Matters
Albert Einstein is often reputed to have called compound interest the "eighth wonder of the world." Unlike simple interest, where you only earn money on your principal, compound interest allows you to earn interest on your interest. Over a period of 20, 30, or 40 years, this effect causes your wealth to snowball, often resulting in interest earnings that far exceed your actual cash contributions.