Retirement Projection

See what your pension can grow into.

Model assumptions Growth is converted from annual return into an equivalent monthly rate and reduced by the annual fee drag. Private and employer/state monthly contributions are added at the end of each month. Private and employer/state contributions can each have their own yearly increase rate. Retirement withdrawals are taken monthly while the remaining balance keeps compounding. Retirement payouts can stay nominal or rise with inflation to preserve purchasing power. Withdrawal tax is used to show the spendable amount after tax. Inflation-adjusted value shows what the future balance is worth in today’s money.

Enter your current balance, expected yearly return, private monthly investing, employer or state monthly pension payments, years until retirement, and expected years in retirement. The calculator compounds monthly, can include annual fees, estimates retirement payouts after tax, and keeps the remaining money growing while you draw it down.

Projected final balance 0 Nominal value at retirement
Total contributions 0 Start amount + private and employer/state contributions
Investment growth 0 0% of final balance
Estimated monthly payout after tax 0 Starting monthly payout at retirement
Total fees paid 0 Accumulation and retirement fee drag combined

Retirement year comparison

Uses the current assumptions and compares retiring 5 years earlier through 5 years later than the selected retirement year.

Offset Retirement in Projected final balance Total contributions Investment growth Estimated monthly payout after tax

Balance over time

Total balance = start amount + all contributions + net investment growth after fees. Total contributions is the cumulative amount you paid in (start + private + employer/state). Inflation-adjusted balance converts the nominal balance into today’s purchasing power.

Year-by-year view

Useful for checking when compounding starts dominating your own contributions.

Year Balance Contributions Total Contributions Growth Today’s value

Retirement drawdown

Green shows remaining pension balance after retirement starts. Orange shows cumulative money received after tax. The payout mode can stay nominal or rise with inflation while the remaining pension continues to grow. Year 0 is the retirement start point.

Retirement year-by-year

Shows how much remains each year if you withdraw the calculated monthly amount for your chosen retirement length.

Retirement year (0 = start) Remaining balance Total withdrawn after tax Monthly payout after tax Withdrawn this year after tax Today’s value