About Retire Hut

Retire Hut is a free retirement planning calculator that projects your savings, income gap and how long your money may last.

What you can do on Retire Hut

• Retirement Savings Projection – Project your nest egg from your age, savings, contributions and expected returns.
• Income Gap Analysis – Compare projected retirement income with the monthly income you want.
• Year-by-Year Projection – See inflation-adjusted contributions, returns, withdrawals and balance for every year.
• Sensitivity Analysis – Test how different return assumptions change the outcome.
• FIRE Summary – Estimate your progress toward financial independence and early retirement.

Open the Retirement Planning Calculator

How it works

• Free to use: no account, sign-up or payment is required.
• All projections are calculated locally in your browser. Your age, savings and income figures are not sent to our servers.
• Works in modern desktop and mobile browsers, with nothing to install.
• The interface is available in English and Chinese.
• The site is supported by advertising, which keeps every tool free.

Who runs Retire Hut

Retire Hut is designed, written and maintained by an independent developer who prefers small, focused tools over bloated apps. Speed, a clean interface and careful handling of your data come first.

Why we built it

Retirement planning comes down to a few assumptions, such as how much you save, what returns you expect and how long the money must last, but spreadsheets make them hard to play with. Retire Hut lets you change each input and immediately see whether the plan closes the income gap.

Feedback

Found a bug, have an idea for a new feature or spotted something that could be clearer? We read every message; please get in touch through our Contact page.