Retirement Calculator API

Project retirement savings from current savings, monthly contributions (optionally rising each year) and an expected return, in nominal and today's money, with the monthly income from a safe-withdrawal rate.

POST /api/v1/tools/retirement-calculatorMCP retirement_calculatorCalculators

Project your retirement savings from your age, savings and monthly contributions, in future and today's money, with a safe-withdrawal income and a yearly table.

Input

Send these as a JSON object. Unknown fields are rejected.

currentAge: Current age in whole years. (integer, 0 to 120, required)
retirementAge: Retirement age in whole years (later than currentAge). (integer, 1 to 120, required)
savings: Current retirement savings. (number, 0 to …, default 0)
monthly: Monthly contribution. (number, 0 to …, default 0)
returnRate: Expected annual return in percent (−50 to 50). (number, -50 to 50, required)
increase: Yearly raise in the monthly contribution, in percent (0 to 50). (number, 0 to 50, default 0)
inflation: Expected annual inflation in percent (−10 to 50), for today's-money figures. (number, -10 to 50, default 0)
withdrawal: Safe-withdrawal rate, % of the balance per year (above 0, up to 20). (number, 0.01 to 20, default 4)
breakdown: Include the year-by-year rows (age, contributions, growth, balance, real balance). (boolean, default false)

Try it in the browser JSON Schema Get an API key

curl https://pithlab.com/api/v1/tools/retirement-calculator \n  -H "Authorization: Bearer $PITHLAB_KEY" \n  -H "Content-Type: application/json" \n  -d '{"currentAge":30,"retirementAge":65,"savings":20000,"monthly":500,"returnRate":6,"increase":2,"inflation":2.5,"withdrawal":4}'

Example response

{
  "ok": true,
  "result": {
    "years": 35,
    "balance": 1068694.3948532005,
    "real": 450316.89679755014,
    "totalContributions": 319966.86579873663,
    "totalGrowth": 748727.5290544638,
    "monthlyIncome": 3562.3146495106685,
    "monthlyIncomeReal": 1501.0563226585007,
    "text": "At 65 you'd have 1,068,694.39 (450,316.90 in today's money). A 4% withdrawal gives 3,562.31 a month (1,501.06 in today's money)"
  }
}