Finn

This calculator is a fantastic reality check if you're worried about getting a late start on retirement savings. It takes your current nest egg and contribution rate, projects them forward using standard market returns, and tells you exactly how much you need to save each year to hit your target income. Keep in mind that it uses a flat real return and a fixed 4% withdrawal rate—perfect for back-of-the-napkin planning, though you'll want to revisit the math as you get closer to retirement and your investment mix gets more conservative. It's a clean, encouraging tool that proves it's rarely too late to catch up.

Reviewed v26.7.0