Retirement Savings Calculator
Take control of your retirement planning with this powerful calculator. Input your current savings, monthly contributions, employer match, and investment strategy to see how your nest egg will grow over time. The calculator factors in inflation, shows income projections using the 4% safe withdrawal rule, and compares your projected income against your retirement goals. Perfect for financial advisors, HR departments, and banking websites helping people plan for their future.
Try the Calculator
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export function retirementSavingsCalculator(form: FormTs) {
form.addRow(row => {
row.addTextPanel('header', {
computedValue: () => 'Retirement Savings Calculator',
customStyles: { 'font-size': '1.5rem', 'font-weight': '600', 'color': '#1e293b' }
});
});
form.addSpacer({ height: 20 });
// Current Situation Section
const currentSection = form.addSubform('current', { title: '👤 Your Current Situation' });
currentSection.addRow(row => {
row.addInteger('currentAge', {
label: 'Current Age',
min: 18,
max: 80,
defaultValue: 30,
suffix: 'years',
isRequired: true
}, '1fr');
row.addInteger('retirementAge', {
label: 'Planned Retirement Age',
min: 50,
max: 85,
defaultValue: 65,
suffix: 'years',
isRequired: true
}, '1fr');
});
currentSection.addRow(row => {
row.addDecimal('currentSavings', {
label: 'Current Retirement Savings',
min: 0,
max: 50000000,
defaultValue: 50000,
prefix: '$',
placeholder: 'e.g. 50000',
isRequired: true,
tooltip: 'Total in 401(k), IRA, and other retirement accounts'
}, '1fr');
row.addDecimal('annualIncome', {
label: 'Annual Income',
min: 0,
max: 10000000,
defaultValue: 75000,
prefix: '$',
placeholder: 'e.g. 75000',
isRequired: true
}, '1fr');
});
// Contributions Section
const contributionsSection = form.addSubform('contributions', { title: '💵 Monthly Contributions' });
contributionsSection.addRow(row => {
row.addDecimal('monthlyContribution', {
label: 'Your Monthly Contribution',
min: 0,
max: 50000,
defaultValue: 500,
prefix: '$',
placeholder: 'e.g. 500'
}, '1fr');
row.addDecimal('employerMatch', {
label: 'Employer Match (Monthly)',
min: 0,
max: 50000,
defaultValue: 250,
prefix: '$',
placeholder: 'e.g. 250',
tooltip: 'Typical match is 3-6% of salary'
}, '1fr');
});
contributionsSection.addRow(row => {
row.addSlider('contributionIncrease', {
label: 'Annual Contribution Increase',
min: 0,
max: 10,
step: 0.5,
defaultValue: 2,
suffix: '%',
tooltip: 'Increase contributions as your salary grows'
});
});
// Investment Strategy Section
const investmentSection = form.addSubform('investment', { title: '📈 Investment Strategy' });
investmentSection.addRow(row => {
row.addDropdown('riskProfile', {
label: 'Risk Profile',
options: [
{ id: 'conservative', name: 'Conservative (4% return)' },
{ id: 'moderate', name: 'Moderate (6% return)' },
{ id: 'balanced', name: 'Balanced (7% return)' },
{ id: 'growth', name: 'Growth (8% return)' },
{ id: 'aggressive', name: 'Aggressive (9% return)' }
],
defaultValue: 'balanced',
isRequired: true
}, '1fr');
row.addDecimal('expectedReturn', {
label: 'Expected Annual Return',
min: 1,
max: 15,
defaultValue: 7,
suffix: '%',
isReadOnly: () => true,
computedValue: () => {
const profile = investmentSection.dropdown('riskProfile')?.value() || 'balanced';
const returns: Record<string, number> = {
'conservative': 4,
'moderate': 6,
'balanced': 7,
'growth': 8,
'aggressive': 9
};
return returns[profile] || 7;
}
}, '1fr');
});
investmentSection.addRow(row => {
row.addDecimal('inflationRate', {
label: 'Expected Inflation Rate',
min: 0,
max: 10,
defaultValue: 3,
suffix: '%',
tooltip: 'Historical average is around 3%'
}, '1fr');
row.addDropdown('accountType', {
label: 'Primary Account Type',
options: [
{ id: '401k', name: '401(k) - Pre-tax' },
{ id: 'roth401k', name: 'Roth 401(k) - After-tax' },
{ id: 'ira', name: 'Traditional IRA' },
{ id: 'rothIra', name: 'Roth IRA' },
{ id: 'taxable', name: 'Taxable Brokerage' }
],
defaultValue: '401k'
}, '1fr');
});
// Retirement Goals Section
const goalsSection = form.addSubform('goals', { title: '🎯 Retirement Goals' });
goalsSection.addRow(row => {
row.addSlider('replacementRate', {
label: 'Income Replacement Target',
min: 50,
max: 100,
step: 5,
defaultValue: 80,
suffix: '%',
tooltip: 'Most experts recommend replacing 70-90% of pre-retirement income'
});
});
goalsSection.addRow(row => {
row.addDecimal('socialSecurity', {
label: 'Expected Social Security (Monthly)',
min: 0,
max: 10000,
defaultValue: 2000,
prefix: '$',
tooltip: 'Check ssa.gov for your estimate'
}, '1fr');
row.addDecimal('otherIncome', {
label: 'Other Retirement Income (Monthly)',
min: 0,
max: 50000,
defaultValue: 0,
prefix: '$',
tooltip: 'Pension, rental income, part-time work, etc.'
}, '1fr');
});
form.addSpacer({ height: 20, showLine: true, lineStyle: 'dashed' });
// Projections Section
const projectionsSection = form.addSubform('projections', { title: '🔮 Retirement Projections', isCollapsible: false });
projectionsSection.addRow(row => {
row.addPriceDisplay('yearsToRetirement', {
label: 'Years Until Retirement',
computedValue: () => {
const current = currentSection.integer('currentAge')?.value() || 30;
const retirement = currentSection.integer('retirementAge')?.value() || 65;
return Math.max(0, retirement - current);
},
variant: 'default',
prefix: '',
suffix: ' years'
}, '1fr');
row.addPriceDisplay('totalContributions', {
label: 'Total Contributions',
computedValue: () => {
const current = currentSection.integer('currentAge')?.value() || 30;
const retirement = currentSection.integer('retirementAge')?.value() || 65;
const years = Math.max(0, retirement - current);
const monthly = (contributionsSection.decimal('monthlyContribution')?.value() || 500) +
(contributionsSection.decimal('employerMatch')?.value() || 250);
const increase = (contributionsSection.slider('contributionIncrease')?.value() || 2) / 100;
let total = 0;
let currentMonthly = monthly;
for (let year = 0; year < years; year++) {
total += currentMonthly * 12;
currentMonthly *= (1 + increase);
}
return Math.round(total);
},
variant: 'default'
}, '1fr');
});
projectionsSection.addRow(row => {
row.addPriceDisplay('projectedSavings', {
label: 'Projected Retirement Savings',
computedValue: () => {
const currentSavings = currentSection.decimal('currentSavings')?.value() || 50000;
const current = currentSection.integer('currentAge')?.value() || 30;
const retirement = currentSection.integer('retirementAge')?.value() || 65;
const years = Math.max(0, retirement - current);
const monthly = (contributionsSection.decimal('monthlyContribution')?.value() || 500) +
(contributionsSection.decimal('employerMatch')?.value() || 250);
const increase = (contributionsSection.slider('contributionIncrease')?.value() || 2) / 100;
const profile = investmentSection.dropdown('riskProfile')?.value() || 'balanced';
const returns: Record<string, number> = {
'conservative': 0.04,
'moderate': 0.06,
'balanced': 0.07,
'growth': 0.08,
'aggressive': 0.09
};
const annualReturn = returns[profile] || 0.07;
const monthlyReturn = annualReturn / 12;
let balance = currentSavings;
let currentMonthly = monthly;
for (let year = 0; year < years; year++) {
for (let month = 0; month < 12; month++) {
balance = balance * (1 + monthlyReturn) + currentMonthly;
}
currentMonthly *= (1 + increase);
}
return Math.round(balance);
},
variant: 'success'
}, '1fr');
row.addPriceDisplay('inflationAdjusted', {
label: "In Today's Dollars",
computedValue: () => {
const currentSavings = currentSection.decimal('currentSavings')?.value() || 50000;
const current = currentSection.integer('currentAge')?.value() || 30;
const retirement = currentSection.integer('retirementAge')?.value() || 65;
const years = Math.max(0, retirement - current);
const monthly = (contributionsSection.decimal('monthlyContribution')?.value() || 500) +
(contributionsSection.decimal('employerMatch')?.value() || 250);
const increase = (contributionsSection.slider('contributionIncrease')?.value() || 2) / 100;
const profile = investmentSection.dropdown('riskProfile')?.value() || 'balanced';
const inflation = (investmentSection.decimal('inflationRate')?.value() || 3) / 100;
const returns: Record<string, number> = {
'conservative': 0.04,
'moderate': 0.06,
'balanced': 0.07,
'growth': 0.08,
'aggressive': 0.09
};
const annualReturn = returns[profile] || 0.07;
const monthlyReturn = annualReturn / 12;
let balance = currentSavings;
let currentMonthly = monthly;
for (let year = 0; year < years; year++) {
for (let month = 0; month < 12; month++) {
balance = balance * (1 + monthlyReturn) + currentMonthly;
}
currentMonthly *= (1 + increase);
}
// Adjust for inflation
const adjustedBalance = balance / Math.pow(1 + inflation, years);
return Math.round(adjustedBalance);
},
variant: 'default'
}, '1fr');
});
// Monthly Income Section
const incomeSection = form.addSubform('income', { title: '💰 Monthly Retirement Income', isCollapsible: false });
incomeSection.addRow(row => {
row.addPriceDisplay('monthlyFromSavings', {
label: 'From Your Savings (4% rule)',
computedValue: () => {
const currentSavings = currentSection.decimal('currentSavings')?.value() || 50000;
const current = currentSection.integer('currentAge')?.value() || 30;
const retirement = currentSection.integer('retirementAge')?.value() || 65;
const years = Math.max(0, retirement - current);
const monthly = (contributionsSection.decimal('monthlyContribution')?.value() || 500) +
(contributionsSection.decimal('employerMatch')?.value() || 250);
const increase = (contributionsSection.slider('contributionIncrease')?.value() || 2) / 100;
const profile = investmentSection.dropdown('riskProfile')?.value() || 'balanced';
const returns: Record<string, number> = {
'conservative': 0.04,
'moderate': 0.06,
'balanced': 0.07,
'growth': 0.08,
'aggressive': 0.09
};
const annualReturn = returns[profile] || 0.07;
const monthlyReturn = annualReturn / 12;
let balance = currentSavings;
let currentMonthly = monthly;
for (let year = 0; year < years; year++) {
for (let month = 0; month < 12; month++) {
balance = balance * (1 + monthlyReturn) + currentMonthly;
}
currentMonthly *= (1 + increase);
}
// 4% annual withdrawal rate divided by 12 months
return Math.round((balance * 0.04) / 12);
},
variant: 'default',
tooltip: 'Based on the 4% safe withdrawal rate'
}, '1fr');
row.addPriceDisplay('otherMonthly', {
label: 'Social Security + Other',
computedValue: () => {
const ss = goalsSection.decimal('socialSecurity')?.value() || 2000;
const other = goalsSection.decimal('otherIncome')?.value() || 0;
return Math.round(ss + other);
},
variant: 'default'
}, '1fr');
});
// Summary Section
const summarySection = form.addSubform('summary', {
title: '🧾 Summary',
isCollapsible: false,
sticky: 'bottom'
});
summarySection.addRow(row => {
row.addPriceDisplay('totalMonthlyIncome', {
label: 'Total Monthly Income',
computedValue: () => {
const currentSavings = currentSection.decimal('currentSavings')?.value() || 50000;
const current = currentSection.integer('currentAge')?.value() || 30;
const retirement = currentSection.integer('retirementAge')?.value() || 65;
const years = Math.max(0, retirement - current);
const monthly = (contributionsSection.decimal('monthlyContribution')?.value() || 500) +
(contributionsSection.decimal('employerMatch')?.value() || 250);
const increase = (contributionsSection.slider('contributionIncrease')?.value() || 2) / 100;
const profile = investmentSection.dropdown('riskProfile')?.value() || 'balanced';
const ss = goalsSection.decimal('socialSecurity')?.value() || 2000;
const other = goalsSection.decimal('otherIncome')?.value() || 0;
const returns: Record<string, number> = {
'conservative': 0.04,
'moderate': 0.06,
'balanced': 0.07,
'growth': 0.08,
'aggressive': 0.09
};
const annualReturn = returns[profile] || 0.07;
const monthlyReturn = annualReturn / 12;
let balance = currentSavings;
let currentMonthly = monthly;
for (let year = 0; year < years; year++) {
for (let month = 0; month < 12; month++) {
balance = balance * (1 + monthlyReturn) + currentMonthly;
}
currentMonthly *= (1 + increase);
}
const fromSavings = (balance * 0.04) / 12;
return Math.round(fromSavings + ss + other);
},
variant: 'large'
});
});
summarySection.addRow(row => {
row.addTextPanel('statusMessage', {
computedValue: () => {
const income = currentSection.decimal('annualIncome')?.value() || 75000;
const targetPercent = (goalsSection.slider('replacementRate')?.value() || 80) / 100;
const targetMonthly = (income * targetPercent) / 12;
const currentSavings = currentSection.decimal('currentSavings')?.value() || 50000;
const current = currentSection.integer('currentAge')?.value() || 30;
const retirement = currentSection.integer('retirementAge')?.value() || 65;
const years = Math.max(0, retirement - current);
const monthly = (contributionsSection.decimal('monthlyContribution')?.value() || 500) +
(contributionsSection.decimal('employerMatch')?.value() || 250);
const increase = (contributionsSection.slider('contributionIncrease')?.value() || 2) / 100;
const profile = investmentSection.dropdown('riskProfile')?.value() || 'balanced';
const ss = goalsSection.decimal('socialSecurity')?.value() || 2000;
const other = goalsSection.decimal('otherIncome')?.value() || 0;
const returns: Record<string, number> = {
'conservative': 0.04,
'moderate': 0.06,
'balanced': 0.07,
'growth': 0.08,
'aggressive': 0.09
};
const annualReturn = returns[profile] || 0.07;
const monthlyReturn = annualReturn / 12;
let balance = currentSavings;
let currentMonthly = monthly;
for (let year = 0; year < years; year++) {
for (let month = 0; month < 12; month++) {
balance = balance * (1 + monthlyReturn) + currentMonthly;
}
currentMonthly *= (1 + increase);
}
const fromSavings = (balance * 0.04) / 12;
const totalMonthly = fromSavings + ss + other;
const percentage = Math.round((totalMonthly / targetMonthly) * 100);
if (percentage >= 100) {
return `You're on track to meet ${percentage}% of your retirement goal.`;
} else {
return `You're projected to reach ${percentage}% of your goal. Consider increasing contributions.`;
}
},
customStyles: { 'font-size': '0.9rem', 'color': '#475569', 'text-align': 'center', 'font-weight': '500' }
});
});
summarySection.addRow(row => {
row.addTextPanel('disclaimer', {
computedValue: () => 'This calculator provides estimates for educational purposes only. Consult a financial advisor for personalized retirement planning.',
customStyles: { 'font-size': '0.8rem', 'color': '#64748b', 'text-align': 'center' }
});
});
form.configureSubmitButton({
label: 'Save My Plan'
});
}
Frequently Asked Questions
What is the 4% rule?
The 4% rule suggests you can withdraw 4% of your retirement savings annually (adjusted for inflation) with a high probability of not outliving your money over a 30-year retirement. This equals about 0.33% monthly.
How much should I save for retirement?
Most experts recommend replacing 70-90% of your pre-retirement income. The exact amount depends on your lifestyle, health care needs, and other income sources like Social Security.
What's a good expected rate of return?
Historically, a diversified stock portfolio has returned about 7-10% annually before inflation. More conservative portfolios with bonds may return 4-6%. Your actual returns will vary based on market conditions.
Should I factor in inflation?
Yes, inflation erodes purchasing power over time. A 3% average inflation rate means you'll need roughly twice as much money in 24 years to maintain the same lifestyle.
Can I customize this calculator for my financial services website?
Yes, the calculator is fully customizable. Adjust default values, add your branding, modify investment options, and embed it on your website to help clients plan their retirement.