Free retirement calculators
Plan your entire retirement with confidence.
Free, independent retirement calculators for every stage of the journey. Find your FIRE number, project the savings you'll build, model how you'll withdraw it, and plan income that lasts, with transparent, year-by-year math.
FFIRE Calculator
Financial independence
Target corpus
$1.82M
Annual spending
$72,000
9×
25× FIRE reached
FIRE multiple = corpus ÷ annual expenses, shown year by year
SSystematic Withdrawal Plan (SWP)
RetirePeace method
Monthly withdrawal
$4,500
Portfolio lasts to
Age 92
Retirement event · withdrawal +10% at age 75
B2-Bucket Strategy
Income & growth
Income bucket · 5 years
Growth bucket · 72%
Auto-refills income bucket each year · supports one-time withdrawals
5
Free calculators
No sign-up
Runs in your browser
20+
Currencies supported
Free to use No registration Educational purpose Independent calculators Professional methodology Multi-currency
The Systematic Withdrawal Plan (SWP)
Our most capable calculator. Model real retirement: not just a steady drawdown, but the one-off costs and income changes that actually happen: a new car, medical bills, a home renovation, or a permanent change to how much you withdraw. See exactly how each event reshapes your corpus, year by year.
RetirePeace Methodology
The transparent, year-by-year engine behind our advanced calculators.
One-time expenses
A car, medical bill or holiday, dropped into any future year.
Withdrawal adjustments
Permanently raise or cut your income from a chosen year.
Year-by-year working
Every withdrawal and return traced across the whole plan.
Inflation & real value
See balances in both future and today's money.
Your retirement planning journey
Four calculators that build on each other. Most people start with the FIRE Calculator and move down as their plan takes shape.
RetirePeace method
Signature retirement planning tools
The Systematic Withdrawal Plan (SWP) and 2-Bucket Strategy calculators are powered by the RetirePeace Methodology, providing transparent year-by-year retirement withdrawal modelling and income planning.
Choose the calculator that fits your question
Five retirement planning tools, each built around a different question. Start with the one that matches what you are trying to work out.
Featured · RetirePeace Method
Advanced SWP Calculator
How long could my retirement corpus last once I start withdrawing from it?
Plan your retirement withdrawals with inflation, changing future expenses and flexible withdrawal needs. A Systematic Withdrawal Plan (SWP) simulates how your corpus may hold up, year by year, as your income requirements change over time.
What it models
Inflation-adjusted withdrawals
Future expense changes
Withdrawal adjustments
Year-by-year projection
Other planning questions
FIRE Calculator
Financial independence target
How much do I need to reach financial independence?
Turn your expected annual expenses into a target corpus, and see the monthly investment it takes to reach it.
Open FIRE Calculator
Investment Growth Calculator
Accumulation and compounding
How could my savings and investments grow over time?
Project a lump sum, a monthly SIP, or both, with SIP top-ups and one-time investments added along the way.
Open Investment Growth
Retirement Calculator
Whole-plan projection
What could my retirement corpus and income look like?
Build the corpus and draw an income from it in a single projection, including how long that income lasts.
Open Retirement Calculator
2-Bucket Strategy
Drawdown structure · RetirePeace Method
How could I structure my corpus for income and growth?
Split the corpus into an income bucket and a growth bucket that refills it automatically as it is drawn down.
Open 2-Bucket Strategy
{{ homeDisclaimer }}
The RetirePeace Methodology
The calculation approach behind our advanced calculators, the SWP Calculator and 2-Bucket Strategy. It models retirement the way it actually unfolds, year by year.
Transparent year-by-year calculations
Every figure traces to a visible row, with no black box. You can follow the money through the whole plan.
Inflation-aware modelling
Expenses and withdrawals rise with inflation, and balances are shown in both future and today’s money.
Retirement event planning
Add real-life events (a car, medical costs, education) in the exact year they happen.
One-time withdrawals
Model lump-sum spending without distorting your regular retirement income.
Withdrawal adjustments
Permanently raise or reduce your income from any chosen year onward.
Detailed retirement projections
See how long your corpus lasts, what remains, and how each choice reshapes the outcome.
Why RetirePeace?
Professional methodology
Spreadsheet-grade, year-by-year math, using the same calculation engine across every calculator.
Objective results
We show the numbers your inputs produce. No scores, no upsells, no nudging.
Transparent working
Every result comes with the full year-by-year breakdown, so you can see how it is reached.
No recommendations
Educational tools only. We never tell you what to buy or where to invest.
Built for the long term
Model decades of saving and drawdown, with inflation applied throughout.
International by design
20+ currencies with correct local formatting, from $ and £ to ₹ and CHF.
How our calculators work
1
Enter your assumptions
Your age, savings, expected return, inflation and how much you want to spend.
2
We project the maths
Each calculator runs a transparent, year-by-year financial projection from your inputs.
3
Results reflect your inputs
Change any assumption and every figure updates instantly. Nothing is hidden.
4
Understand your options
Compare scenarios to see possible retirement outcomes and plan with more confidence.
Retirement Learning Centre
Plain-English guides to the ideas behind retirement planning: what each one means, where the numbers come from, and which calculator puts it to work.
What is an SWP?
Open the SWP Calculator
A Systematic Withdrawal Plan draws a regular income from an invested corpus while the balance keeps working. How a year runs, and what decides whether it lasts.
Read the guide→
SWP and inflation
Open the SWP Calculator
A fixed withdrawal makes almost any plan look sustainable. See what happens to the same corpus when the income keeps pace with prices.
Read the guide→
How long will my money last?
Open the SWP Calculator
The first-year withdrawal rate predicts more about the outcome than anything else. What the 4% research really claims, and how to test your own number.
Read the guide→
What is FIRE?
Open the FIRE Calculator
Financial independence stated as a single arithmetic condition, plus where the 25× multiple comes from and what it quietly assumed.
Read the guide→
Thinking about retiring early?
Open the FIRE Calculator
Reaching a number is not the same as being ready to leave. Separating the financial question from the personal one, and testing a plan before acting on it.
Read the guide→
How much do I need to retire?
Open the FIRE Calculator
A four-step method that turns your current spending into a corpus target, and the inputs worth spending your time on.
Read the guide→
Planning for inflation
Open the SWP Calculator
Why a fixed retirement income buys roughly a sixth as much after thirty years, and what a plan has to do about it.
Read the guide→
Compound growth explained
Open Investment Growth
Why investing half as much for ten more years can finish over a crore ahead, and where the money in a long projection actually comes from.
Read the guide→
Sequence-of-returns risk
Open the 2-Bucket Strategy
The same twenty returns in a different order left one retirement with ₹63.6 lakh and the other with ₹8 lakh. Why order only matters once you withdraw.
Read the guide→
The two-bucket strategy
Open the 2-Bucket Strategy
What the refill trigger and target actually do, and the honest trade-off: protection against a risk a smooth-return model cannot show.
Read the guide→
Choosing your assumptions
Open the Retirement Calculator
Return and inflation are inputs, not forecasts. How to pick values you can defend, and why the gap between them matters more than either.
Read the guide→
How RetirePeace calculates
Open the Retirement Calculator
Every modelling convention behind the five calculators, including the two places they deliberately differ, and an explicit list of what is not modelled.
Read the guide→
Frequently asked questions
A few of the most common questions. See the full knowledge centre for more.