Calculate your financial future with inflation-adjusted projections
Unlike basic calculators, this tool accounts for realistic growth patterns:
💡 Tip: The "Annual Contribution Increase %" is key—it reflects that as you earn more over your career, you'll likely save more too.
This calculator does NOT account for taxes. Your actual spending power may be significantly affected by:
💼 Professional Advice: Consider consulting a financial advisor or tax specialist for a comprehensive retirement plan that accounts for your specific tax situation.
Select your preferred currency
How old are you right now?
When do you plan to stop working?
How long do you expect to live?
Total in retirement accounts
How much you save per year now
Career milestone scaling factor (e.g., 3%)
Expected return while working (stocks: 8-10%)
Lower return after retiring (mix: 5-7%)
Cost of living increases (historical: 3%)
Lifestyle target in current purchasing power
UK State Pension: ~£11.5k, US Social Security: varies
UK: 66-67, US: 62-70 (full at 67)
UK Triple Lock (2.5%+), US COLA (~2.5%), or 0%
💡 Tip: Use inflation rate if pension is inflation-linked, lower if it has fixed increases, or 0% if frozen
| Age | Contribution/Withdrawal | Gov. Pension | Investment Growth | End-of-Year Balance |
|---|---|---|---|---|
| Enter your parameters and click "Calculate Retirement Plan" | ||||