Retirement Savings Calculator Spreadsheet | Compound Growth, Inflation-Adjusted Value & 4% Rule Income | Excel & Google Sheets

See what your pension pot could be worth in today's money, not just in future numbers.

How big could your retirement savings get, and what would that buy at today's prices? Enter your age, retirement age, current savings, monthly contributions, a yearly increase, expected return, fees and inflation. The calculator compounds every month and builds a year-by-year projection. It shows your pot at retirement in future money and in today's money, how much came from contributions and how much from growth, and an illustrative first-year income using a withdrawal rate you choose (4% by default — a historical US rule of thumb, editable, not a guarantee). It compares that income with your target, works out the pot you would need and shows how long the money lasts as withdrawals rise with inflation. Two charts are included and it works in any currency.

Created with AI assistance and checked with automated formula tests. Not financial advice; for general information and planning only. It is not debt, investment, pension or tax advice, and no saving, payoff, return or retirement result is guaranteed. Results are estimates based on your own inputs. Assumed growth and withdrawal rates are editable and illustrative. Investments can fall as well as rise.

The 4% withdrawal rate is a historical US research rule of thumb (often linked to Bengen / the Trinity study). It is not a guarantee or recommendation. Sequence-of-returns risk and inflation matter; it may not suit UK or EU retirees. Taxes and fees reduce what you receive. Consider speaking to a regulated financial adviser (FCA-regulated in the UK; CMVM / Banco de Portugal in Portugal).

For pensions, MoneyHelper / Pension Wise offer guidance. Named for information only; Fernbrook Guides is not affiliated with or endorsed by them.

Fernbrook Guides is not affiliated with or endorsed by Microsoft (Excel), Google (Sheets) or LibreOffice; the names are used for information only.

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