Retirement Calculators [1] You're saving for retirement, $A each year (or months) at an annual (or monthly) return of R%, for N years (or months) Annual (or monthly) Investment = $ Try 3000/12 for monthly Annual (or monthly) Return = % Try 10/12 for monthly Number of Years (or months) = Try 30*12 for monthly Portfolio Value = $ after N years (or months) and N investments [2] You're retired and begin withdrawing from your Portfolio, the amount increasing with inflation. How long will it last? Annual Return on Investment =%   (annual increase in retirement portfolio) Annual Inflation Rate =%   (annual increase in withdrawal amount) Initial Withdrawal Rate =%   (Initial Withdrawal)/(Initial Portfolio), increasing with Inflation Years to Zero = [3] You're saving for retirement when you'll withdraw at a specific rate. You know what salary you'll need (in today's dollars): Desired Salary = $ (at retirement, in today's dollars) Years of Investing = (until retirement) Annual Inflation = % (increase in annual salary until retirement) Withdrawal Rate =% (after retirement) Portfolio Required = $ (at retirement) [4] To achieve a specific portfolio at retirement, what percentage of your current salary will you have to invest? Years of Investing = (until retirement) Current Salary = $ Portfolio Required = $ (at retirement) Current Portfolio = $ (if any) Salary Increases = % (until retirement) Investment Growth Rate =% (until retirement) Percentage of Salary that you need to invest = % [5] If you contribute a fixed amount each year, how long until you achieve a specific portfolio? Annual investments = $ Portfolio Required = $ Current Portfolio = $ (if any) Investment Growth Rate =% Years required until specified Portfolio is attained = years [6] If you can live on a specific percentage of your current salary, at retirement, how long will your portfolio last? Current Salary = $ Percentage of Current Salary Invested = % Current Portfolio = $ Annual Salary Increases = % (until retirement) Investment Growth Rate = % (before and after retirement) Years of Investing = (until retirement) Percentage of Salary that you want = % (after retirement) Inflation = % ( = increase in after-retirement withdrawals) Years until Portfolio runs dry = years after retirement If you get a result NaN (Not a Number!), it means your portfolio will last forever (!) What are your chances of becoming an octogenarian :^) ? (Based upon 1997 U.S. Dept of Health figures) Your current Age = years Enter: 1 of you're female 0 if you're male       How many more years would you like to live = years Probability of surviving that many years = % You're retired and want the Maximum LIF Income (for Ontarions only): Your Age (on Jan 1) =     CANSIM long bond rate = %     Jan 1 LIF = $ Maximum Annual LIF Income = %   x (January 1 balance)

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P.S. You can Save this file if you want to play ... off the Net.
The above calculators give ballpark figures. See Saving for Retirement and Years to Zero and Life Expectancy and Retirement Expenses