Retirement Calculator

Retirement Calculator for Fixed Pensions

Most calculators assume your pension keeps up with inflation. Ours doesn't. See exactly how much you need to save when your pension stays fixed.

Current Age

Retirement Age

Current Retirement Savings ($)

Monthly Contribution ($)

Retirement Goal ($)

Expected Annual Return (%)

📊 Pension & Expense Details

Annual Expenses in Retirement ($)

What you'll spend per year (in today's dollars)

Life Expectancy

Expected Inflation Rate (%)

I will receive pension income

Annual Pension Amount ($)

My pension adjusts for inflation (COLA)

⚠️ Important: Without inflation adjustment, your $40000 pension will cover less of your expenses each year. We'll show you how much extra you need to save.

🖐️

Enter your details and click Calculate

Why This Calculator Is Different

📉

Fixed Pension Support

Toggle whether your pension adjusts for inflation or stays fixed. Most don't.

📊

Year-by-Year Breakdown

See how your pension coverage declines as expenses rise with inflation.

⚠️

Portfolio Depletion Warnings

Know exactly when your savings will run out if you don't adjust.

Need More Financial Tools?

CashWise has 8+ financial calculators, stock backtesting, portfolio tracking, and educational content to help you master your financial future.

Explore CashWise →