Paychecks Until Retirement Calculator (paydays left & pay to come)

How it works

Retirement date = your birthday in the year you reach the retirement age. Every month from the start date to that day has one payday (on the day you enter, or the last day of a shorter month); paydays on or after the start date and on or before the retirement date are counted. Pay still to come adds the monthly take-home pay, raised by the yearly pay rise after every 12 paydays. Working life completed = (age now − starting age) ÷ (retirement age − starting age). Bonuses, weekends and holidays are not taken into account.

⚠ Estimates for information only — not financial advice.

FAQ

Does it count today if today is payday?

Yes. A payday on the start date counts, and so does a payday that falls exactly on your retirement date.

Why is my take-home figure only an estimate?

It assumes the same pay rise every year and ignores bonuses, tax changes, promotions and breaks in work. Treat it as a feel for the scale, not a forecast.

Checked 11 Nov 2026. Calendar arithmetic (one payday per calendar month, last day used in shorter months); pay growth compounded once a year. No external figures are used.